THE POSITION OF FUCK YOU MONEY
Based on the FIRE movement and John Goodman's famous speech in The Gambler (2014) — financial independence is reached when your passive income covers all expenses, and your wealth never decreases. Fill in fewer than 9 variables and simulate your future.
01 — Fill in the values
$
The total money you already have invested or saved / net worth.
$
The money you earn from your job or business per year
%
% of income added to savings each year. SavingsRate = (Income-Expenses) / Income (Higher SavingsRate = exponentially faster freedom)
%
How much your income increases each year.
%
The average yearly return on your investments (S&P 500: ~7–10%, Bonds: ~2–5%).
%
How much prices increase each year (your money loses value).
The age when you want to stop working completely. Age at which labor income stops.
Used to compute current age.
%
% of last avg salary as pension.
WEALTH PROJECTION
02 — Year-by-year simulation
| Year (Age) | Wealth | Labor Income / Pension | Annual Expenses | Capital Income | Wealth Δ | FI 🤑 |
|---|