there is overlap 2 is more of a "oh shit the washing machine/car/stove broke" fund. stuff that costs more than i'm willing to cut from my income on a moments n

there is overlap 2 is more of a "oh shit the washing machine/car/stove broke" fund. stuff that costs more than i'm willing to cut from my income on a moments notice. 3 is leverage and runway. employer fucked up your salary payment? frustrating but you'll live. negotiating a raise? no need to bluff, bring in your written notice and sign it in front of them. important: ask them for a pen. the look on their faces is priceless and 3 month should be enough to get a new job. Want to go the extra mile? get a second bank account with another bank and split the money. remove the bank as a single point of failure.