When to Use (and Refill) It
Use your emergency fund only for genuine surprises — not for vacations or new gadgets. Once you spend from it, make replenishing your fund a priority. Think of it as your first line of financial defense: reliable, accessible, and peace-giving.
Summary
The Payoff
Having an emergency fund isn’t just practical — it’s psychological. It provides freedom to make better choices under pressure, reduces financial anxiety, and prevents small crises from becoming long-term debt.
Published on Oct 28, 2025
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