re: Emergency fund opinions

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I would hope that someone isn't having an emergency every year. Either they are very unhealthy, have something else going on, or have the worst luck of all time.

Obviously, if you get a market downturn AND an emergency in year 1 that would obviously suck.

However, if you are building a substantial Em Fund over a few years, I would think that risk goes down in each year, as you contribute more dollars to the fund.

But I will say that it probably isn't for every one, even if the mathematical odds favor doing so.

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