I believe FU money is not about how much you earn, it’s about how much you save vs. spend. I can afford to stop working for more than a year, even though I’m not 25 yet, I would gladly say I have FU money. It’s because I don’t spend much.
The recipe is simple. If you spend 50% of what you make, then you only have to work 50% of your life. If you spend 10% of what you make, then you only have to work 10% of your life.
Turn off all sources of marketing and watch your free time and savings swell.