The devastating story that explains why every woman needs a "F*ck Off Fund".

You’re telling your own story: You graduated college and you’re a grown-ass woman now. Tina Fey is your spirit sister; Beyoncé, your preacher.

You know how to take care of you. You’ve learned self-defense. If any man ever hit you, you’d rip his eyes out. You’ve seen Mad Men, and if anyone ever sexually harassed you at work, you’d tell him to f*ck right off, throw your coffee in his face, and wave two middle fingers as you marched out the door.

You get your first internship. You get your first credit card. You get to walk into a shop, where your mum would never take you, where you couldn’t afford anything, and congratulate yourself with one fabulous black leather skirt, and the heels to match.

Your car? It’s the car of a uni student. You get a lease, and upgrade.

You get your first HECS bill, and look at all those numbers.

Your life turns into a stock photo tagged “young professionals”: you and your new work friends, hanging out at the bar across the street from the office. The cocktails cost twice as much as you paid when you still measured time by semesters and nights by cans of PBR.

The uni boyfriend gets serious. You move in to his place, spruce it up by buying your first coffee table together. Ikea lets you put half on your newest credit card.

Your internship ends before you find a permanent job. You make minimum payments on your credit card, then max them out again buying two days’ worth of groceries and filling your car half way.

Your bank app upgrades to a new feature that combines all your balances — the shiny store card with the Visa and the other account you were only supposed to use for emergencies — and tells you that somehow you owe people seven thousand dollars.

Your boyfriend offers to cover the rent for a while. You get a job a few months later, but you’re that many loan payments behind. Your first paycheque feels like a breath of air that gets sucked right out of your lungs.

Your new boss, who seems nice, calls you in his office, shows you a picture of his kids. He jokes about his son, then as you’re laughing, he puts his hand on your arm, gives you a little squeeze. You smile it off.

You wait to pay the electric bill while you’re gathering up the half you owe, and the lights go out. On your phone you see the email about the $50 late fee. Your boyfriend asks how you could be so stupid. “I am not stupid,” you say. You would never be with someone who called you names, but you would never be able to make first, last, and deposit right now, either.

You say yes to payday lunch with your new co-workers, because you want to make friends, your ham sandwich sounds boring, and what’s one more thing?

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You buy a halter dress you know you can’t afford, because it makes you look like the successful young woman you want everyone to think you are.

Your boss tells you that you look nice in that dress, asks you to do a spin. Just to get the moment over with, you do.

Your boyfriend asks you how much you paid for it, says it makes you look chubby. You lock yourself in the bathroom until he bangs on the door so hard you think he must have hurt himself.

After he falls asleep, you search RealEstate.com.au for places, and can’t believe how expensive rent’s gotten around town. You erase your Internet history and go to sleep.

A few weeks later, your boss calls a one-on-one in his office, walks up behind you, and stands too close. His breath fogs your neck. His hand crawls up your new dress. You squirm away. He says, “Sorry, I thought…”

You know what to do. You’re just shocked to find you’re not doing it. You are not telling him to f*ck off. You are not storming out. All you’re doing is math. You have $159 in the bank and your car payment and your maxed out credit cards and you’ll die before you ask your dad for a loan again and it all equals one thought: I need this job.

“It’s ok,” you hear your voice saying. “Just forget it.” You scurry out of the room, survey the office half full of women, and wonder how many of them have secrets like the one you’re about to keep.

At the apartment, your best guy friend calls. After you hang up, your boyfriend says you laugh too much with him, that you’re flirting with him, probably sleeping with him. You say it’s not like that. You yell, he yells. You try to leave, he blocks your way. When you struggle to get by, he grabs your wrist in the exact way they pretended to in self-defense class, and you know to go for the eyes, but you don’t know how to go for his eyes. He yanks you back until you fall and crack the coffee table.

He seems so sorry, cries, even, so that night you lie down in the same bed. You stare up at the dark and try to calculate how long it would take you to save up the cash to move out. Telling yourself that he’s sorry, convincing yourself it was an accident, discounting this one time because he didn’t hit you, exactly, seems much more feasible than finding the money, with what you owe every month. The next time you go out as a couple, his arm around your shoulders, you look at all the other girlfriends and imagine finger-sized bruises under their long sleeves.

Wait. This story sucks. If it were one of those Choose Your Own Adventures, here’s where you’d want to flip back, start over, rewrite what happens to you.

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You graduated from uni and you’re a grown-ass woman now. Tina Fey is your spirit animal. Beyoncé, your preacher.

If any man ever hit you, if anyone ever sexually harassed you, you’d tell him to f*ck right off. You want to be, no, you will be the kind of woman who can tell anyone to f*ck off if a f*ck off is deserved, so naturally you start a F*ck Off Fund.

To build this account, you keep living like you lived as a broke student. Drive the decade-old Civic even after the fender falls off. Buy the thrift store clothes. You waitress on Saturdays, even though you work Monday through Friday. You make do with the garage sale coffee table.

It’s hard, your HECS payments suck, but you make girl’s night an at-home thing and do tacos potluck.

You save up a F*ck Off Fund of $1,000, $2,000, $3,000, then enough to live half a year without anyone else’s help. So when your boss tells you that you look nice, asks you to do a spin, you say, “Is there some way you need my assistance in the professional capacity or can I go back to my desk now?”

When your boyfriend calls you stupid, you say if he ever says that again, you’re out of there, and it’s not hard to imagine how you’ll accomplish your getaway.

When your boss attempts to grope you, you say, “F*ck off, you creep!” You wave two middle fingers in the air, and march over to HR. Whether the system protects you or fails you, you will be able to take care of yourself.

When your boyfriend pounds the door, grabs your wrist, you see it as the red flag it is, leave a post-it in the night that says, “F*ck off, lunatic douche!” You stay up in a fancy hotel drinking room service champagne, shopping for apartments, and swiping around on Tinder.

Once your F*ck Off Fund is built back up, with your new, better job, you pay cash for the most bad ass black leather skirt you can find, upgrade to the used but nicer car you’ve always wanted, and start saving to go to Thailand with your best friend the next summer.

Yes, that’s a better story.

It’s a story no one ever told me.

It’s the kind I’d hope for you.

Paulette Perhach has been published at Salon.com, The Journal, and various other newspapers and magazines. She collaborated with the Hugo House writing center to produce The Writer’s Welcome Kit, an online course that helps new writers.

This was previously published at The Billfold and is republished with full permission.