Finance Rule #04
Emergency Fund First
Before investing a single rupee, build 6 months of expenses in a liquid account.
"An emergency fund is not an investment. It is insurance for your investments."
Without an emergency fund, any unexpected expense — job loss, medical bill, car repair — forces you to liquidate your investments at the worst possible time. 6 months of expenses in a savings account or liquid fund is the foundation everything else is built on.
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