• Dave Ramsey Blog

5 Emotional Purchases That Can Zap Your Emergency Fund

First you scrape, save, and sell stuff to get your $1,000 emergency fund in place. Then you pour on the hot coals and fight to pay off all your debt (using the debt snowball method). Once that’s done, you get an extra job to build up your full emergency fund of three to six months of expenses. The key word there is "emergency." You don’t want to blow the cash on something that isn’t an emergency. And you certainly don’t want your emotions to trick you into thinking a purchase is "urgent" when it’s not. Read More

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