24. Build an Emergency Fund
Your savings are there for your future plans, not to get you out of trouble. That’s why, in addition to them, set up an emergency fund as soon as possible. You never know what awaits around every corner, so it’s best to be prepared.
Ideally, ensure that you have enough for 6 months, and we really do mean it. Make sure to calculate any debt you might have in addition to your everyday expenses. That way you’ll avoid dipping into your other savings while also avoiding high penalty fees. Trust us, if you’re in an emergency, the last thing you should do is shoulder extra fees because you’ve been caught unprepared.
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