yeah but most of that is 1) covered by bogleheads, and 2) doesn't require serious education or advisors. take emergency funds -- how likely is it you can lean

yeah but most of that is 1) covered by bogleheads, and 2) doesn't require serious education or advisors. take emergency funds -- how likely is it you can lean on friends or fam for money? do your budgeting and then plan for 6-12 months of budget. if you can get a load from the bank of mom and dad then maybe 3 months.