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Chances are if you’re in a long-term relationship, about to jump the broom, or already have, some woman has advised you, if you and your partner have a joint account, to make sure you put a little money aside for yourself. Tyra Banks calls this F.U. money and it’s the need for women in relationships to still have their own exit strategy, i.e. cash flow, that prompts Tyra to employ so many young women.

The “America’s Next Top Model” creator and entrepreneur explained this motive to Glamour, saying:

“My mom stayed with my dad for too long because of financial reasons. If she’d just had a little side hustle, a little of her own money, she would have left. So I encourage women to have what I call ‘F.U.’ money.… A lot of my passion for this business comes from that.”

That’s a valid point. A lot of women stay in marriages simply because they don’t have the money — or skills that would lead to money — to stand on their two feet, particularly if children are involved. Even women who intend to be stay-at-home mothers should make sure they have some means of building a nest eff for themselves in case things go left and a pre-nup doesn’t allow for any spousal support.

For the single ladies and workaholics, Tyra also imparts this advice she wishes she would’ve told her 25-year-old self:

“Take some time for yourself. You’re still gonna be successful if you go on that vacation. I felt I had to sacrifice, that I needed to constantly go. So I would tell her to sit the heck down! My mom also said, ‘Plan for the end at the beginning. There’s a limit to modeling; that phone is gonna stop ringing. Have a plan before it stops.’ Be like a boxer who’s like, ‘This is my last one—pow.'”

Do you have F.U. money saved up?

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