I’ve always been an avid saver, partly because I have really big dreams of traveling and retiring early, and partly because I’m constantly petrified that the absolute worst will happen. Now, I know you need an emergency fund—a stash of at least six months of net income—should you run into a job loss, hospital visit or any other “oops!” of the more dramatic variety. Like many of us, however, I’ve dipped into my savings for some questionable reasons.
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