There's an old adage that says you're never more than two pay packets away from being homeless.
There's also a school of thought that you should always have enough savings to be able to parachute out when a relationship goes wrong - a financial self-defence fund if you will.
Well, I've got another reason why you should always have a tidy sum stashed away - a 'Fuck It Fund' for when you just can't stand your job anymore.
I'm a strong believer that life's too short to do something you hate. I should know, I've walked out of a lot of jobs, when they didn't sack me first. It's not that I don't have a strong work ethic. I'm from a working class family who ran a market stall and I helped out all hours after school. I was running my own vintage clothes stall from the age of 13.
I just feel passionately that you should never settle for second best in all parts of your life. But it's not just a matter of having conviction when it comes to quitting a job that's making you miserable - you've got to have a cash cushion too.
With rents rising rampant across the UK, this is more necessary than ever. Utility bills are going up, the weekly shop is getting more costly, whilst wages have fallen in real terms. The rise of zero hours contracts and a weak pound since the Brexit vote and General Election have all made matters worse.
So, you might think it's madness to even contemplate walking out of a job, but bear with me.
First things first - there's a lot to be said about doing a job you don't like for a period of time. It's good to learn that life isn't always easy, that you don't always get to do things you enjoy. There's always something character-building to be taken from having done a shit job in the past that you saw as a chore - it can help you keep a check on your privilege in the present.
Also, working for arseholes can have its benefits - it can inform you how NOT to treat colleagues, so you can use your experience of terrible bosses to manage generously and really enable and empower your fellow members of staff afterwards.
But you will do yourself no favours if you stick out an awful, soul-sapping job on autopilot for the longhaul. Grab life by the balls! Just say no to a job that sucks before it sucks the life from you.
On average, you're going to spend more than 90,000 hours of your life at work. More than 10 years solid - and that's before you factor in your commute. Do you really want to spend all that time doing something you hate? Or worse, might be making you ill with stress and impacting on your relationships?
You need to start your Fuck It Fund NOW.
Of course, I realise it's hard for many of us to scrape together any spare cash. In London, people pay two thirds of an average salary on rent, and it's more than half in the rest of the UK.
But there's so much free advice out there - just Google how to save money and there are heaps of great tips and apps to help you start putting pennies away.
A good starting point is to list of all your monthly outgoings, no matter how small, and see what you can do without. Budgeting can be easy once everything is laid out in black and white.
Do you really need to buy two coffees a day for example? Say you get a large skinny latte on your way into work and one at lunch. That's around £1,300 a year you could save.
Generally speaking, for a proper Fuck It Fund, you should have between three and six months salary saved before taking the plunge, which obviously will take a while to get together.
But having to wait is no bad thing. It'll give you plenty time to think about a job that's really going to make you happy, to rewrite your CV, sort out your LinkedIn, make connections and sound people out while you stash the cash.
It won't be a walk in the park. But just imagine having that financial security when your job finally gets too much. You'll be free to metaphorically flick the Vs at your rubbish boss and say a merry 'fuck it - life's too short' to yourself as you walk out the door and into your bright new future...