To me, a privilege is simply “a good thing that you have, but not everyone has” and it can have both earned and unearned causes, often both simultaneously. I think you’re right to point out that people with good financial habits earn some of that privilege through hard work and discipline. However, I think the author is also right in saying that pervasive social inequality makes it such that some people can’t save due to factors they have no control over (age, race, gender, national origin, sexual orientation, class, ability/disability), no matter how hard they try to earn it. So some of the privilege of having a Fuck Off Fund will always be unearned. Overall I think the Billfold does a pretty good job of exploring both the controllable and uncontrollable factors that influence our financial status, how they interact with each other in complex ways, and how we could potentially give everyone a more equal opportunity for success and security in life.