F-You Money: John Goodman v. jlcollinsnh

John GoodmanJLCollins

One of these is NOT John Goodman

Why you need F-You Money was the fourth post I ever wrote and remains one of the most popular on the blog still today, coming in at #6.

This concept of F-You Money is in many ways one of the cornerstones of the blog and much of what we discuss here is how to acquire, build and grow yours.

So, not surprisingly, very shortly after the movie “The Gambler” came out folks began sending me links to this wonderful 1-minute clip:

  (Not work or kid friendly)

I’ve long been a John Goodman fan and this clip, with this subject and his flawless delivery, is far and away my all time favorite. The moment I saw it, I wanted to do a jlcollinsnh version. All I needed, and had no idea how to find, was a video team to film, edit and produce it.

Then, last Fall, I went to Ecuador for our annual Chautauqua.

Since our first in 2013, I’ve said the coolest thing about these events are the incredible people I get to meet and hang out with. 2015 was no exception and it was where I met Joan & Brian.

I knew almost immediately we were destined to become personal friends and the fact that they live just down the road a piece in Massachusetts made it even easier.

But I didn’t realize what talented film makers they are until they put up the three minute video on our adventure that you’ll find in my Chautauqua 2015 post.

The moment I saw it, I knew I’d found my team. Fortunately, they loved the idea and we made plans. I modified the script to more closely match the philosophy around here and started rehearsing. Then a couple of Sundays ago they trekked up to the New Hampshire jlcollinsnh.com international world headquarters deep in the active volcano that serves as my hidden lair.

It is an amazing and enjoyable experience to watch professionals go about their work. The smooth flow and seemingly effortless overcoming of obstacles was sheer poetry.

While Mr. Goodman certainly has no worries about competition from the likes of me, thanks to the magic of Joan & Brian I think the results are pretty bloody wonderful. Hope you agree!

(Also not work or kid friendly)

Directed, filmed and edited by:

Joan @ Meister’s Balogna

Brian @ Inner Parakeet

Follow up:

I categorically disavow the entirety of this post by Mr. 1500. It is absolutely scandalous. Not a shred of truth in it. Even now, my consigliere is sorting out an appropriate response.

(BTW, Mr. 1500, you don’t happen to own a prized horse by any chance do you?)

Further, rumors that we only chose Mark Wahlberg for that clip because MMM, JD Roth and The Mad Fientist refuse to associate with me are entirely unfounded.

The fact that MMM has built himself a fortress high in the Rocky Mountains, JD Roth is on the run in an RV somewhere on the country’s back roads and The Mad Fientist has fled the country entirely are mere coincidences.


Addendum #1:

If you’re curious, here are the top five posts:

  1. How I failed my daughter and a simple path to wealth
  2. Why your house is a terrible investment
  3. Stocks – Part VI: Portfolio ideas to help you build and keep your wealth
  4. Stocks – Part I: There’s a major market crash coming!!! and Dr. Lo can’t save you
  5. What we own and why we own it

Addendum #2:

Recently I was interviewed by Hahna Kane for the Master Your Money Summit. We had a blast! (Even without a single f-bomb 🙂 )

Unrelated, but what I’ve recently read and recommend:

One in a series of novels and short stories recounting the adventures of Bertie Wooster and his “gentleman’s gentleman” Jeeves. If you’ve not read Wodehouse, do yourself a favor.

Aging boomers are urged to kill themselves to save the government money. A humorous novel. Interestingly, it references Bertie Wooster.

Southern missionary packs up his family and heads to the Congo. It doesn’t go well. Narrated in rotating chapters by his wife and four daughters. Compelling tale very well told. Amazing as the style and tone shifts between her narrators.

True story of a Mexican fisherman blown out into the Pacific Ocean and his survival as he drifts across for, well, 438 days. Reads like the great adventure it is. Amazing to note: All of his supplies are lost in the storm but he comes across enough garbage floating in the ocean to replenish them.

Predicting the future is risky business, but Ross makes an interesting case for how markets are changing and what industries are driving the change. Given the current political debate here in the US, I especially enjoyed his section: The Geography of Future Markets.

More books I’ve enjoyed

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Important Resources

  • Talent Stacker is a resource that I learned about through my work with Jonathan and Brad at ChooseFI, and first heard about Salesforce as a career option in an episode where they featured Bradley Rice on the Podcast. In that episode, Bradley shared how he reached FI quickly thanks to his huge paychecks and discipline in keeping his expenses low. Jonathan teamed up with Bradley to build Talent Stacker, and they have helped more than 1,000 students from all walks of life complete the program and land jobs like clockwork, earning double or even triple their old salaries using a Salesforce certification to break into a no-code tech career.
  • Credit Cards are like chain saws. Incredibly useful. Incredibly dangerous. Resolve to pay in full each month and never carry a balance. Do that and they can be great tools. Here are some of the very best for travel hacking, cash back and small business rewards.
  • Empower is a free tool to manage and evaluate your investments. With great visuals you can track your net worth, asset allocation, and portfolio performance, including costs. At a glance you'll see what's working and what you might want to change. Here's my full review.
  • Betterment is my recommendation for hands-off investors who prefer a DIFM (Do It For Me) approach. It is also a great tool for reaching short-term savings goals. Here is my Betterment Review
  • NewRetirement offers cool tools to help guide you in answering the question: Do I have enough money to retire? And getting started is free. Sign up and you will be offered two paths into their retirement planner. I was also on their podcast and you can check that out here:Video version, Podcast version.
  • Tuft & Needle (T&N) helps me sleep at night. They are a very cool company with a great product. Here’s my review of what we are currently sleeping on: Our Walnut Frame and Mint Mattress.
  • Vanguard.com


  1. Distilled Dollar says

    F-you money is such a great position to strive for. There isn’t anything better than I can imagine.

    The added benefit is F-you money can be achieved well before reading FI.

    I will take issue on how each clip ends on a sour note. I’m highly optimistic that our best days are still ahead of us. As Buffett put it this year, “the babies being born in America today are the luckiest crop in history”

    Bravo on starting your film career! The clip looks amazing matched up next to the original.

    • jlcollinsnh says

      Hi DD…

      I agree with you on all counts and, like you, I’m highly optimistic about our future. No point following the simple path to wealth I lay out here otherwise.

      Still, I wanted to follow the original as closely as possible. Artistic license and all that jazz. 😉

  2. Jimmy says

    “And the Academy Award for Best Actor goes to….Mr. Jim Collins!”

    That was beyond great, loved every bit of it. Next time I’m asked why I’m chasing financial freedom, I’ll just direct them to this. “Somebody wants you to do something, F**k you!” Haha cracked me up.

  3. RobDiesel says

    WEll, I’ll be goddamned!

    That was beautifully interspersed with the original AND I was even surprised that your voice and even looks (to a small degree) are similar to those of John Goodman.

    Thanks for putting that up, good advice and hilariously delivered!

    • jlcollinsnh says


      Thanks Rob…

      When I saw the final cut, the same thing struck me.

      Mr. Goodman and I don’t look the same, but our voices are similar.

      We are about the same age and build, and we have had the same lines cut into our faces over the years.

  4. nadir says

    Love it! Funny enough, shortly after being introduced to this blog I sent it on to a few close co-workers. One of them showed me that very same clip with John Goodman.

  5. jlcollinsnh says

    Thanks all…

    ..for the very kind comments. Glad you’ve enjoyed it!

    But trust me when I tell you, if I look good doing it the credit mostly goes to the lighting, staging, filming, multiple takes and editing. In other words…

    …Joan & Brian!

    • Brian says


      We had a blast doing this and oddly enough this is the first time me and Joan have worked together!? Even though we met at work 9 years ago 🙂

      You made it really easy on us with that buttery voice of yours.

    • Joan says


      It was so much fun! Brian and I had a blast and it’s all quite easy when you’re shooting with magical unicorns such as yourself. Thanks for having us!

    • Paul says

      It was awesome to see the Chautauqua forces come together to produced this. Its amazing what Brian and Joan did making it look like it came straight from the movie!

  6. mike says

    That’s a homerun Jim–thank you so much.

    In a good way, makes me want to run around saying fuck you to everyone;)

  7. Joe (arebelspy) says

    Bahaha, I LOVED that.

    Well done Jim! (And Joan and Brian!)

    Even better than the original.

    Gonna be laughing at this, and rewatching it, for awhile. 😀

  8. Lindsey says

    Ha! Brilliant! Well done Jim and to the editing team, that was fantastic 😀
    Even better than the original! You have a great voice too 😉

  9. Rich Carey says


    F-you money is one of my favorite posts of all time!!! That was an amazing clip! You’ve inspired me to try my luck at a “money blog.” Congrats to the amazing actor playing himself and the team that made it!

  10. Skip says

    Awesome Jim. I know you did this for fun, however, you just made it a whole lot easier for me to get a couple more friends on the EFI path. Keep the posts coming.

    • jlcollinsnh says

      You’re right Skip…

      ..we just did this for fun. 🙂

      It never occurred to me it might help readers like you guide friends to the light. Very cool!

      Please let me know if it helps.

    • jlcollinsnh says

      High praise from a man in the business!

      Should I brace for Hollywood to start beating down my door? 😉

  11. Joe says

    That was your best post ever! It took you a minute and a half to creatively summarize and teach what the FI lifestyle is all about.

    You are the godfather of FI and FU money!

    You are a star! Please remember us at the top. 🙂

    Excellent work by you, Joan, and Brian!

    • jlcollinsnh says

      Thanks Joe!

      What is amazing to me, having never done this before, is the hours and hours (and hours) creating that minute and a half took. Mostly on the part of Joan & Brian.

      Of course I’ll remember…


      …who are you again?

  12. Sabbaticalia says

    Ah, the clip that keeps on giving!

    I was curious what you planned to do to the original script … I do believe I nailed my guesses on half your changes, and really enjoyed the surprises of the other half. Mad mad props to you, Joan, and Brian. 😀

  13. Steve says

    Hi Jim,

    That video’s awesome!

    I’m taking advantage of my F-You money a bit right now.

    I worked in corporate america for close to 5 years and was able to save up a considerable amount of F-You money. I quit late last year to take a break and create a small business. I launched my first product a few months ago and have already made a pretty good amount!

    I might just keep up at this and see where it goes and make sure to spend some time to travel. My little brother and I are planning to hike the Camino de Santiago in Spain for 4-5 weeks. Hard to do that with a corporate job!

    I’ve been reading your blog for a long time, and I’ve shared it with others. You do a great job, keep it up!

    • Joan says

      Hey Steve! I don’t know you but I hiked the Camino 3 years ago. It was the most amazing things I’ve ever done. Good luck and buen camino!


      • Julie and Will says

        Congratulations on quitting your corporate job, and your recent successes. Good luck, and enjoy the camino! You’ll love it.

        When did you hike the Camino 3 years ago? We hiked May/June 2013 and were wondering if we all could have been hiking around the same time. (Our picture here is from Finisterre.) Truly an amazing experience!

        • Joan says

          Hi Julie and Will!

          I did May/June of 2012! So I guess it’s been almost 4 years now. Time flies! I hiked to Santiago by myself and Brian met me there and we walked to Finisterre together!

          • Julie and Will says

            Missed each other by a year… May/June was a great time to be there. We plan to hike Le Puy to St. Jean Pied de Port in the next few years. Maybe we’ll see you on the path!

            By the way–Great job on the clip!

  14. Ty says

    I don’t usually comment on blogs, but this is so awesome that I had to chime in! Really well produced, Jim and perfect for the FI (and FU) community!

  15. Edifi says

    Well gawdam, makes me look forward to finishing this ERE transition and making a trip down to Ecuador myself!

    Wish more bloggers had your attitude instead of “passive income via affiliate links”! Thanks and ‘Fuck you, too!'”

  16. Mr W from whatlifecouldbe.eu says

    After 8years of working for a company, one day I told to my boss, in a nice but non negotiable way that my hourly rate Doubles in 2 months. I told him the truth: i want to work half as much and I am happy to train a Junior colleague. I have other sources of income and I don’t depend on the salary.
    He was shocked. But agreed. After a year, i no longer work for them, but my hourly rate is 4times as high as the initial one.
    How could I afoard to do that? F. U money.
    And all that time I had to think of your post! Thanks
    By the way. I reached FI about a year after that Konversation with my boss.

  17. Newman says

    Thank you all the way from Sweden!! This awesome video inspired me to log on to my brokerage account and rename it. From now on, it’s called LFK as in “Långfingerkontot” in Swedish, which in English would be MFA as in “Middle Finger Account”!!!!! Good reminder every time I check my account 🙂

    • jlcollinsnh says

      Thanks but…

      Leo’s been after it for some time now, so we’ll let him have it.

      My career, after all, is just beginning…. 😉

  18. Bill and Craig says

    Awesome job Jim! Wow, I didn’t know I was in the the company of an up and coming star at the 2015 Chautauqua! I want an autograph. Ya’ll did a great job in producing it!

    I’m in the process of getting involved in teaching my cousin, who just graduated college, the theories of FU. This video WILL BE in the curriculum. 😉

    If I had only known it and started at 22 years old. Yikes, I would have already been retired.

    • jlcollinsnh says

      You’re the first person ever to ask for my autograph!

      Of course, I’ll have to decline.

      You’d only turn around and sell it on eBay….


    • jlcollinsnh says

      I’d love to have him see it. Perhaps someone here will pass it on to him.

      I’d also love for Mr. Goodman to see it as well. So, if any of you know him….

      • Markola says

        Kevin Bacon is doable with a few calls but John Goodman? I’m gonna have to talk to a guy, who knows a guy, capisce?

      • jlcollinsnh says

        I just figured you mention it the next time you’re fishing with him in Argentina.

        You know. Those trips I’m never invited on…

  19. Mike says

    As a recently retired Brit I am thankful for the help that you, Jacob Fisker and MMM have given me in helping to plot my escape. Of all the concepts I have adopted the most powerful one related to acquiring F you money. Once I had enought I pulled the trigger. The video is a tour de force. Well done to all concerned.

  20. DraggonFIRE says


    Of all the offensive, juvenile, downright rude and…

    Fuck it… Nice work, Jim! Loved every second of the 97 seconds. Your partners in crime made it look good, but only you could make it sound good. Nice work.

      • DraggonFIRE says


        Just watched it again. I really think Wahlberg is taking a shine to you near the end. Seems he’s starting to get it. If he just applies the wisdom you’re spouting off between profanities, surely he has hope of an early retirement. The other guy – the bald guy – is obviously not listening; one of those know-it-alls who’ll be working into his late 60’s…. 😉

  21. Terry says

    Thank you, thank you, thank you.
    Thank you, thank you, thank you.
    Amazing work by you, Joan and Brian.
    Brilliant message to us all!!!!!!!!!!!!!!!!

  22. Manyu says


    Greetings from Somerville MA. Long time reader here, first time commenter.

    Loved this! Hilarious but still with the same powerful message. BTW, you have a great voice for this.

    Have you been able to take your Scrambler out for rides yet this year?


    • jlcollinsnh says

      Thanks, Manyu…

      (and thanks to everyone else for your kind words!)


      The motorbike is still hibernating at my friend’s underground lair.

  23. Julie says

    One word: awesome! The John Goodman clip was simply great. But you blew me away with your version!
    Thanks for the education,
    Julie in TC
    (from the Chautauqua Gang 2015)

  24. Niusha says

    This is perfect Jim. The peak of your acting career so far is from second 48 to 53! Your facial expressions: priceless.

    Great job Joan and Brian!

  25. Fatchance says

    Jim, I love your site. I’ve read every article and live by your advice. This post is now my all time favorite. I LOVE IT!!! The production value is awesome. Biggest smile I’ve had at work in a long time (headphones).

    • jlcollinsnh says

      Mr. 1500!

      I was wondering if/when you’d show up. 🙂

      Glad you were able to tolerate the salty language and enjoy it. I see you also posted my little clip to your Facebook page. Thank you!

      But just a small point of clarification: Mr. Goodman sounds a lot like ME. 😉

  26. Andria says

    LOVE this video. Just watching it now. It made me smile! 🙂 Been working hard at this for 4 years and I am finally seeing that I will be free. It is paying off and I will be able to say F-You and that it is really going to happen for us.

  27. jlcollinsnh says

    Special Announcement:

    Recently I was interviewed by Hahna Kane for the Master Your Money Summit. We had a blast! Even with no F-bombs. 🙂

    Here’s the link:

    Since I am not active on social media, if you are a fan of my work I’d like to ask your help in spreading the word. Blog, Tweet, FB, whatever.

    Thanks! And I hope you get a chance to listen.

  28. Pfgal says

    Wow, this is fantastic! I’m constantly telling people about f-you money and referring them to your site – this video will be my new go-to reference. I just wrote my own post on f-you money and linked to you, but I might have to add this link also – it’s so perfect.

  29. Simon Kenton says

    Well-lit, well delivered and paced, a wonderful resonant voice. Still, though, this is the takeway:

    “The United States of America – based on fuck you. You’re a king, you got an army? The greatest navy in the history of the world? Fuck you. Blow me. We’ll fuck it up ourselves. Which, we have done. A great fuck-you position, lost forever.”

  30. AJ says

    Hi Jim,

    I find myself in an interesting situation retirement-planning wise and would appreciate your take. I’ve commented several times before and am both thankful and humbled that you take the time to answer all these questions. It’s a tremendous boon to those with the wisdom to read your blog.

    I’m 31, single, and am in solid financial shape (at least, I think I am as compared to my peers). Though I live in a high-cost East Coast location, I have no debt and earn an income roughly equivalent to the median for my zip code (which, again, is high given the area). I’ve been able to save around $50k in cash that I have earmarked for a house down payment fund, have accrued another $50k in a 401(k), have around $15k in a Roth IRA, and have some money in my current employer’s pension fund that is expected to pay out around $700 per month when I retire.

    I’ve been at my current job for over five years, but will be starting a new one soon. The new job offers a pension but no 401(k)–the current job offered both. Pensions are nice benefits to be sure, but they go directly against your MO of “f-you money.” Perhaps I’ll stay at my new job long enough to realize the benefits of their pension plan, but nobody knows what the future will hold.

    Do I have any options for tax-advantaged retirement savings vehicles besides either a Roth or a traditional IRA? For example, would I be able to incorporate myself as a sole proprietor consultant and contribute to a SEP even if I have W-2 wages elsewhere? If so, would my contributions be limited in any way? (I’ve done some research online, but have not been able to find sufficient answers that applied to me.) Thanks so much!

  31. TR says


    In me attempting to build my FU Money, the Bogleheads recommend splitting one’s bond allocation between Total Bond Market and Inflation Adjusted Securities. I notice you stay just with the Total Bond Market fund. Would you please share your thoughts on this recommendation to split between the two and why perhaps you do not? Thank you sir in advance.

  32. Mr. 1500 (Vinny) says

    “(BTW, Mr. 1500, you don’t happen to own a prized horse by any chance do you?)”

    Hmmm, are you getting smart with me Mr. Collins? Two question come to mind:
    1) Do you happen to know where my violin case is at? I seem to have misplaced it, but I’ll need it soon. Very soon.
    2) Where may I locate you this weekend?

    I will not leave the gun or the cannoli.

  33. Slow Dad says

    Well done, that made my day! You should put that on the top of your home page as the condensed wisdom of Jim Collins in 1 minute 36 seconds for the “tl;dr” generation 🙂

    Keep up the great work, thanks for freely sharing your thoughts with the world.

    • jlcollinsnh says

      Glad you liked it, SD…

      I’m always a bit surprised it hasn’t offended more people. 😉

      But last time I looked, there were only two thumbs down for it on you tube.

      I like your idea of adding it to the sidebar and have passed it on to my tech guy. Thanks!

      But what is “the “tl;dr” generation”?????

  34. dave says

    This video takes me back to high school. It reminds me of being in the locker room. We would listen to Led Zeppelin or AC/DC to get pumped up before a game. We would use music to get the Adrenalin going.

    I am going to start to listen to your video before I dollar-cost-average money into my Roth IRA or brokerage account.

    This video gets me pumped up to be on the road to FI.

    Cool stuff

  35. Alysha says


    Sorry to bother but I am having a hard time making out what is being said in the video.
    I have looked at all the comments and on the video comments and I can’t find a transcript.

    Would it be possible to have one added?

    Thank you,

    • jlcollinsnh says

      Sorry Alysha…

      There is no transcript.

      You’ll just have to listen repeatedly. It is all part of the diabolical plan. 😉

      • Alysha says


        Well spending the evening reading your very helpful Stock series, I think I know what you are saying now…..


  36. Peter Wilkes says

    G’day mate that was awesome, love your book, love your Blog, you’ve helped myself and my son more than you know. you have a big Aussie following please keep it up!

    • jlcollinsnh says

      G’day Peter…

      Thank you for checking in from the “land down under”

      ….you made my day! 🙂

      Just curious, how do you know I have a big Aussie following? Is there a group of some sort?

      • Peter Wilkes says

        G’day Jim,
        Yes there is a few groups, the main one being the Barefoot Investor Group that I subscribe to. It is run by Scott Pape who wrote “The Barefoot Investor”. Also the Blog “Aussie Fire Bug” which I also subscribe to. Your book and Blog are mentioned and recommended (strongly) regularly in these groups, especially the Barefoot site. I bought the Audio book and have listened to it a few of times now. It has changed my way of thinking about a lot of things in my life to do with FIRE. I have now moved most of my money into Vanguard ETFs, also I have seen the truth behind buying a house, which I already suspected but your blog really opened my eyes to that. Its also helping me get through to my 18 year old son. Love your work mate and Cheers, Peter

  37. Rusty says

    This is so well done, I thought it was a director’s cut. I nearly fell out of my chair when he started recommending Vanguard ticker symbols.

    I’d love to post this on the Bogleheads forum, but the language! 🙂

  38. Al says

    When I saw this today, I thought it was parts of a real movie. “I didn’t know Wahlberg was into FIRE stuff”

    3 years later this is no less true. Wish I knew about this before we bought our house, but eh, kids are happy so whatever.

    Sharing this with everyone I know!

  39. Nutshell says

    Sending to my (adult) kids! You’ve said it in a way their sweet little momma doesn’t speak, but absolutely agrees with. This clip represents the gritty urgency to aim at self-reliance, take risks and invest. Well done!

  40. Gonzalo@ToFinancialFreedom says

    First of all I wanted to congratulate you for a wonderful video, I loved it when I watch it on Youtube, it’s unbelievable. The first time I watched it I didn’t realise that it wasn’t the real video from The Gambler, I was a bit surprised that John Goodman talked so much about Stocks and bonds 😀
    I have a blog about personal finances and investing (www.tofinancialfreedom.co), and I wanted to include it on my posts since it clearly reflects my views.
    Please let me know if you give me your permission.
    Thanks again!

      • Gonzalo@Tofinancialfreedom.co says

        Thank you so much!
        I have been reading a bit about posting youtube videos from movies on blogs, and it looks like there could be some copyright issues. This video is done by you but it contains parts from The Gambler movie. I just wanted to confirm that you have checked the copyrights angle, in order to give me some peace of mind 🙂
        Thanks again!

  41. Stoff says

    Hey JL!
    I found this video on a social video platform randomly…
    Immediately loved it! So, I had to share it with friends (mainly those who will understand the VTSAX/VBTLX thing…), and they all loved it too!
    It reminds me to start putting some money on VTSAX or another of those Vanguard ETF/Mutual fund.

    And by the way thanks for this blog and the audio book, I use them as a great guide!

    See ya!

  42. Dave says

    Hello Mr. Collins,

    I’m a bit late to the party on this one. I just ran across this video today. I’ve been slowing reading your articles and have found them a delight to read.

    I’ve been reading and following along your articles and blog for only a few weeks, but this is the first one that has prompted me to comment.

    Thanks for all the advise in your articles. Take care,

    BTW, the video was great and made my day. Cheers

  43. Stephen Dickson says

    Sometimes all you need is 30 seconds to hear a wake up call. The middle section has changed my approach to investing. It triggered an alarm bell and I had to do something…

    But I took the long way round: Starting with your Ted talks->Google Talks->the YouTube clip and now found the original home right here. Now the book is on its way. Glad to make it here at the original starting point. Well worth the long trip round the internet!

    Really enjoyed this. Thanks!

  44. SPS Chauhan says

    I saw your video on Google Talks today and it resonates with me. Even though I am from India, investing & wealth creation is my passion.

    I saw both the clips and its really nice to hear. Hope we can put these in action for our own lifes 🙂

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