You seem to be in a very unique situation. And to have a pretty good understanding of personal finance and of your risk appetite.
What you say works for you and a few people that happen to have access to universal healthcare, what looks like four separate insurance policies, and that can manage not to fuck it up with credit cards.
6 months liquid emergency fund remains the best strategy for most people out there.
You seem to be in a very unique situation. And to have a pretty good understanding of personal finance and of your risk appetite. What you say works for you and a few people that happen to have access to universal healthcare, what looks like four separate insurance policies, and that can manage not to fuck it up with credit cards.
6 months liquid emergency fund remains the best strategy for most people out there.
Not a unique situation. It’s pretty much the average for millions of adult to middle aged people in several countries.
Not nearly the norm globally but calling it unique is pretty ridiculous.