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Great point! I would like to think of my self as that optimist (with kids) and trying hard to override myself and start working on emergency fund. Even though I THINK ITS USELESS FOR ME (it’s really not useless) in reality I KNOW ITS A MUST FOR ANYONE to have and so overstepping over myself and starting to add little by little to emergency fund also will be useful to have if / when I start on my journey into opening a fund. I know I’ll need to have a buffer

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