One of my biggest regrets is not having found the FIRE community sooner in life.

The Financial Independence Retire Early community show you how to create financial independence, slowly but surely through sensible spending and investing.

One of their concepts is F-You money.

It’s the money you have invested/alternative income which would allow you to retire or take a mini retirement if you wanted to or had to tomorrow.

But what about F-You capital?

It’s the network, skills and visibility so that if you needed to leave your role tomorrow (hello redundancy) you could pull the trigger and feel you’ve done enough to move fairly easily to the next stage of working life.

And it's something you can start building now, especially if building the F-You money pot is something you possibly should've started at least 10 years ago.

Starting today to put those pennies in the pot, just in case you need them, could mean the difference between taking on new opportunities (or not) as and when it suited you.

It could mean the difference between panic and calm if the company restructure actually goes ahead.

And worse case scenario is that you don’t need to spend the pot right now and all you’ve done is enrich your professional network and up-skilled, which is never time wasted.