Revenge savings

The best payback is peace of mind and a fat savings account

You ever look at your bank account and think, damn, I wish I could return the last six months of choices?

Maybe it was the shopping sprees that felt like freedom… until the regret hit.
Maybe it was the way you kept saying yes to others and no to yourself.
Or maybe you’re staring down the wreckage of a breakup, a job that took too much and gave too little, or this dumpster-fire of an economy that burned you out and bled you dry.

Whatever it was, you’re not broken.
You’re not bad with money.
You don’t need to punish yourself to fix this.

You need revenge savings.

The fuck is revenge savings?

Revenge savings is the hotter, smarter cousin of revenge spending.
Instead of torching your cash to feel better in the moment, you’re channeling that same fire into handing your future-self more choices, whatever they may be.

It’s about stacking money not out of fear or restriction, but out of sheer audacity and resilience.

• So you can walk away when you need to.
• So you don’t have to explain yourself to anyone.
• So your peace can’t be bought or threatened.

Call it “fuck-you money” if you want.
I call it self-trust in a savings account.

This isn’t about restriction, it’s about repair

If you’ve been yo-yoing between overspending and hyper-restriction, you’re not alone.

That “I need to fix this NOW” spiral is common, but it usually leads to burnout, not stabilitity.

Let’s shift it.

Revenge savings, the way I coach it, is:

• Emotionally validating
• Strategically flexible
• Built to work even if you’re starting from $0 and a pile of guilt
• Does not require you to be perfect

We’re not punishing past-you. We’re protecting future-you. Big difference.

Try the “bubble” strategy

Most budgeting advice screams “cut everything you love!”
We don’t do that here.

Instead, let me introduce you to one of my favorite ways to build savings without shame: the savings bubble strategy.

We teach a strategy of spending buckets, but savings has bubbles! They grow, shrink, and float in and out of your life, and naming them with intention changes everything.

Here’s how it works:

The “big” bubble (don’t name it that though)

This is your slow-grow, low-drama, bubble. How we name savings is important. Naming the big bubble something like “the kid gets sick for a week” or “loss of income by 30%” is way more impactful than just calling it an emergency fund. Because how the fuck do you know when to use (and not use) something called an emergency fund?

Instead, you name it specifically based on what you know life might throw at you.
Examples from real clients:

• “The Kid Gets Sick for a Week”
• “The Month We Both Lose Our Jobs”
• “Down Payment for My Someday House”

By naming it clearly, you’re also prenegotiating the terms of use. So when shit hits the fan, you’re not having a crisis and arguing or internally conflicted about whether to use that savings.

Think about how you name any savings bubble as the trigger for when to use it.

The little bubble

This one is nimble. It grows and shrinks, gets used and refilled… it’s your savings flyswatter.

Someone called theirs “Broken Tooth,” because if you’ve ever had dental pain, you know: that mess gets handled TODAY.
Other names:

• “Radiator Goes Out”
• “Water Heater Meltdown”
• “Pet Emergency Fund” (you know Fluffy’s gonna eat something weird again)

Like the big bubble, specificity matters. You’re giving yourself permission to act quickly without spiraling, because you already did the emotional labor of deciding when it’s okay to spend. And the best news is that because this bubble is meant to grow and shrink, it actually protects the slow, consistent growth in the “big” bubble!

Project-based bubbles

These float in and out of your life. They’re usually easy to name and deeply satisfying to fill:

• “National Parks Road Trip”
• “New Laptop”
• “Leave This Job Fund”
• “Wedding Escape Hatch” (not saying you’ll need it… but)

You can have as many of these as you want. And here’s the kicker: you don’t have to contribute to all of them right now.

Just creating the bubble (giving it a name, a place to live, and a job), is powerful. Over time, your brain will want to start tossing money in there, even if it’s just $10 at a time.

This is about trusting yourself… not rules

Every time you name a bubble and feed it, even a little, you’re telling yourself:
I matter.
I can do this.
I’m allowed to have enough.

And that? That’s what revenge savings is really about.

In conclusion

You don’t have to claw your way back through guilt, shame, or spreadsheets that make you want to scream.

You get to rebuild with intention.
You get to protect your peace.
You get to start small and still be powerful as hell.

Revenge savings isn’t petty. It’s a boundary. A love letter to your future self. A soft, steady flex.
And you don’t have to do it alone.

If you’re ready to get clear on what savings could actually look like in your life, take the Financial Clarity Audit. It’s quick, personalized, and way less annoying than budgeting apps you never open again.

Because the best revenge is knowing you can always take care of you.