Why Emergency Funds Matter More Than You Think (EVERY WOMAN MUST READ THIS!)

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Not every day can be equally amazing. Obviously, this doesn’t mean you have to resonate with every problem. Because you don’t have to. But…

September is here, and you’ll notice that damn it, not everything is so happy after all.

It’ll be great for parents with kids when they screech out of their cars and dump the children off so the teachers can deal with their worn-out brain cells instead, but that’s different.

Because in September the sunshine disappears, the number of dark hours increases, and you’ll be in a mood after a while.

(Take your Vitamin D NOW! You’ll thank me later, okay?)

And problems are supposedly meant to be solved.

Obviously, I’m not talking about problems like when someone haggles a cheap shirt down to 1 Dollar on Vinted and then you get annoyed – damn you, penny-pinching jerk – but real ones.

Real Problems Cost Money

When someone becomes unable to work and can’t support their family.

When some relationship breaks that you didn’t want to end.

When you realize you can’t actually count on certain people.

When someone leaves forever. (AKA: DIE)

But did you feel that I was also talking about money in those four lines above?

No???

Pay closer attention!

1. Unable to work = NO MONEY
2. Unexpected expenses, say a move = MONEY RUNS OUT
3. Something costs more, say with an unknown specialist. Especially if your previous partner was a jack-of-all-trades Adonis = NO ADONIS, NO MONEY
4. Funeral costs = THAT’LL BE LIKE A BUNCH OF MONEY PLEASE

A Personal Wake-Up Call

My husband had an accident a few weeks ago during construction work, became unable to work for a while, and other people had to do a lot of things in his place. That’s money, right? Fortunately, I don’t know about funeral costs, but DAMN IT, HE ALMOST MADE ME A WIDOW.

And you know, besides getting a massive headache, burning out mentally, and almost becoming a widow, the fact that I AT LEAST didn’t have to worry about money was INCREDIBLY LUCKY.

It was hard enough mentally as it was. It is for everyone.

Because I dropped weight from the stress! And you would too!

But your forty-fifth pieces ordered from TEMU won’t solve your problem. Having money in your pocket will.

The Truth About Emergency Funds

One of the worst myths is that there are no unexpected expenses in life.

Here’s the reality: investing isn’t necessary because it’s sexy or cool. It’s necessary because if, for example, someone’s husband or wife randomly does something stupid on a Tuesday afternoon, or something else happens, they shouldn’t have to say:

“I can’t pay the unexpected expenses!”

Because the money for it is hanging in your closet!

The thing is, we often think we’re being responsible by saving money, but then we spend it on things that don’t actually protect us when life hits hard. A closet full of clothes won’t pay for medical bills. A collection of gadgets won’t cover rent if you can’t work.

Building Real Financial Security

Real financial security isn’t about having the latest things or keeping up appearances. It’s about having enough set aside so that when life throws you a curveball – and it will – you can handle it without panicking.

This means:

Having an emergency fund. Not just any savings, but money specifically set aside for when things go wrong. Medical emergencies, job loss, car repairs, family crises – these things happen to everyone eventually.

Understanding your real expenses. Not just your monthly bills, but the true cost of living when you factor in all the unexpected things that come up throughout the year.

Investing wisely. Not because it’s trendy, but because inflation means that money sitting in a regular savings account is actually losing value over time.

Planning for the worst-case scenario. What would happen if you couldn’t work for three months? Six months? What if your partner couldn’t work? These aren’t pleasant thoughts, but they’re necessary ones.

The Cost of Not Being Prepared

When you’re not financially prepared for emergencies, every crisis becomes a financial crisis too. You’re not just dealing with the emotional and physical stress of whatever’s happening – you’re also scrambling to figure out how to pay for it.

This is why people go into debt during difficult times. This is why relationships fall apart under financial pressure. This is why people make desperate decisions that make their situations worse.

But when you have that financial cushion, you can focus on what actually matters: taking care of yourself and your loved ones, making good decisions, and getting through the crisis with your long-term stability intact.

Start Where You Are

You don’t need to have everything figured out immediately. Start small. Even having a few hundred dollars set aside is better than having nothing. Then build from there.

The goal isn’t perfection – it’s preparation. Because life is unpredictable, but your financial response to those unpredictable events doesn’t have to be.

Everyone is okay in my story, no one became a widow, but the lesson remains: the time to prepare for emergencies is before they happen, not during them.