Building an Emergency Fund Before Chasing FI

Before investing aggressively toward financial independence, it's important to have a cash buffer that protects you from being forced to sell investments at a loss during an emergency.

Most guidance suggests 3-6 months of essential expenses, though this can vary based on job stability, dependents, and insurance coverage.

A high-yield savings account or equivalent liquid, low-risk account is typically ideal — accessible, but separate from everyday spending.