Why I don't invest ALL my money
Okay this might sound weird coming from someone who talks about investing all the time… but I don't invest every dollar I have 😅
And honestly? That's on purpose.
Before I put money into the market, I made sure I had an emergency fund first. Basically a chunk of cash sitting in a high-interest savings account that I DON'T touch unless something actually goes wrong.
Car repair, job loss, surprise vet bill — whatever life decides to throw 🤷🏻♀️
Here's why it matters so much to me:
- I'm never forced to sell my investments at a bad time just to cover a surprise
- It keeps me from sliding into high-interest debt when life happens
- And honestly, it just lets me sleep better at night
A common rule of thumb is 3-6 months of essential expenses, but even starting with a smaller cushion is way better than nothing.
For me, the emergency fund isn't "lazy money." It's the thing that lets the rest of my portfolio actually stay invested long term 💛
It's not exciting. There's no chart going up. But it's the foundation everything else sits on 🚀
If you're just starting out, I'd genuinely build this before stressing about which ETF to pick.
Not financial advice, always do your own research.
Do you have an emergency fund yet, or is it still on your to-do list? 👀
