"Fuck you money" comes from two means, saving and making. And you can't do one without the other. They are intimately linked in a seductive dance for your resources. This is outlined in the story of the monk and the administrator.
A rich administrator for the king tells his monk cousin, "You know if you worked harder, you could come work for the king and stop eating beans and rice." To which the monk replied, "You know, if you ate beans and rice, you would not have to be a slave to the king."
It's funny, but highlights an important point. Some people would rather be a slave to society's perceptions of what is needed in life. While others would rather live free, even if it meant just eating beans and rice.
Which path would you take?