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4 apps to build your own Fuck Off Fund

Walk Hard

There’s a lot of financial advice out there, but among the best we’ve ever read comes from The Billfold, and Paulette Perhach’s Story of a Fuck Off Fund.

The piece is a full-throated plea for setting up a savings account (or FOF) so that you’re never held captive by financial need. “If any man ever hit you, if anyone ever sexually harassed you, you’d tell him to fuck right off,” she wrote. “You want to be, no, you will be the kind of woman who can tell anyone to fuck off if a fuck off is deserved, so naturally you start a Fuck Off Fund.”

Here are 4 great tools to help you start.


Our FOF tool of choice, Digit, analyzes your typical expenditures and automatically withdraws money from your checking account every few days, transferring it to an FDIC-insured savings account. Digit allows for free, unlimited transfers of your savings and also offers a no-overdraft guarantee. You can try Digit for 100 days for free; after that, the service runs $2.99 per month.


Want to automatically deposit $10 to your FOF every time you order from Seamless instead of cook for yourself? Then try Qapital. After linking your checking account to the platform, you can set rules that will trigger automatic deposits to a savings account. And just today, the company announced they are offering checking accounts and debit cards.


Acorns takes a different approach to the spend-and-save routine. The app rounds up each of your purchases to the nearest dollar and then deposits those pennies into an investment portfolio. Keep in mind – as with any market-based savings, an Acorns account is a little less secure than the typical FOF.


Like Acorns, Stash is an investment-focused savings tool. The app allows you to invest as little as $5 in a portfolio of ETFs that they promise “reflects the things you love and believe.” Stash does not charge trading fees or commissions, however the service does cost $1 per month for all accounts less than $5,000.