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Attention Sugar Bowl Newbies!
Before you begin YOUR Sugar Life
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A F*ck You Fund is spare cash you can live on when you need to say "f*ck you!" to a nasty boss or Salt Daddy.
F*ck you money is important because it gives you freedom and independence. When you have enough cash stashed away that you can live off it for a few months or even years without losing sleep, congratulations you have a F*ck You Fund. Prepare to sleep like a baby - a very smart *sugar* baby who is well on her way to becoming the Ultimate Boss B*tch.
Sugar Baby Tip: Google all of the following (and become an info ho); Financial Independence, Finance Blogs, Personal Capital, Index Funds, Vanguard, Betterment and Wealthfront. Do your research and start investing a small amount each month (whatever you can afford). Your future self will thank you.
Whoever said money can't buy you happiness doesn't know where to shop.
Money also buys you options, control over your life, independence and financial freedom. Don't be fooled by the sparkly diamond rings spinning seductively on our Sugar Baby Success guide. Being an Ultimate Boss B*tch does not involve marrying your Sugar Daddy and diamonds are not your best friend.
A girls best friend is being financially savvy enough to know where to stash her cash. You can only be the Ultimate Boss B*tch when you have the biggest, baddest, F*ck You Fund imaginable… invested wisely… compounding over time… making you a millionaire. Yes you read that right, making YOU a MILLIONAIRE.
Do not stash cash in your knicker drawer or in a low interest bank account (almost the equivalent).
Do stash it in Index Funds (after
doing your own extensive research
into investing). Or buy a house.
If you find the stock market confusing or scary, Robo Advisors such as Betterment or Wealthfront make investing effortless by doing everything for you and for rock bottom fees. A successful Sugar Baby should be able to save at least 10% of her monthly allowance. Start investing now, reinvest the dividends, don't withdraw a cent until you have 1 million saved (compounding interest means this will happen much sooner than you think) and you will be financially set for life.
Unless you want your own Private Jet, then you're going to have to find yourself a billionaire Sugar Daddy and get very good at Step 4) Fellatio (half joking).
Invest wisely now so that in 5 or 10 years, when quite possibly you're a completely different person or at least ready for a new chapter in life, you can move on from being a Sugar Baby. Whether that be into a marriage, a career that demands all of your time and energy or both.
Investing wisely gives you the biggest luxury money can buy… choice, independence and the freedom to be whoever you want to be, go wherever you want to go and do whatever you want to do. Figuring out finance gives you the power to become the...
Ultimate Boss B*tch.