Emergency funds are pointless

[Anonymous No.56782774]

These exist:
>credit cards
>friends and family
>charities
>government welfare

What is even the point of an emergency fund?

[Anonymous No.56782915]

>>56782774
Think about the consequences.

[Anonymous No.56782941]

credit cards run out

[Anonymous No.56782979]

>>56782774
Credit cards work if you'll have income come in to pay it off before the interest charges. But actually Dave says it only exists for the psychological benefit. The emergency fund is just there so you don't feel bad about not being able to follow the steps.

[Anonymous No.56782986]

>>56782774
>credit cards
20% VARIABLE APR, at best atm
>friends and family
Just as poor as me.
>charities
lol
>government welfare
lol

[Anonymous No.56783247]

>>56782774
Jerking off is pointless.
These exist:
>OP's mom's pussy
>OP's mom's asshole
>OP's mom's mouth
>OP's mom's feet
What is even the point of jerking off?

[Anonymous No.56783263]

>>56782774
Not having to rely on
>credit cards
>friends and family
>charities
>government welfare

[Anonymous No.56783283]

I don't know how people can be ok with casually running up credit card debt, the APR is simply insane.

[Anonymous No.56783453]

>>56782774
And espeically, i can sell my crypro or even take an aave loan

[Anonymous No.56783459]

>>56782774
>>credit cards
24% apr
>>friends and family
Burden and my family doesn't have money like that
>>charities
I make too much money
>>government welfare
I make too much money

[Anonymous No.56783729]

>>56782774
retard who has never been in a real emergency
>creditcards
Some can't qualify or always has one
>friends/family
I have no family they all died
>charities
only help niggers/spics
>government welfare
nearly useless and you usually need to be a nigger/woman/tranny even if you lie

[Anonymous No.56785668]

>>56782774
To hedge against the unforeseen. My EF is about $8k. If my bags dump like 89% from here I am using the EF to buy in lower. Emergencies are when you unexpectedly need cash. Emergencies aren't inherently bad. Sometimes opportunities are emergencies.

[Anonymous No.56785700]

I'm having an emergency right now I need 11k wat do?

[Anonymous No.56785842]

>>56785700
99% of the world makes <$1000/year

[Anonymous No.56786657]

Rice and beans and beans and rice and rice and beans and beans and rice and rice and beans and beans and rice and rice and beans and beans and rice and rice and beans and beans and rice.

[Anonymous No.56786776]

>>56782774
I keep about a grand in cash and the rest is all invested. I just credit if I really need money today. All my investments are liquid and not wrapped up in a 401kike so all I really need is like 3 days notice.
>>56783283
I casually use credit for every purchase and never paid a cent of interest because I use them properly. It's someone else's money for a month for free, or longer if you get ahead on them.

[Anonymous No.56786875]

>>56782774
Charities or the goverment is gonna pay your brokeb down car? Doubt it

Friends are usually as poor as yourself so none to leech from

Sounds like poor cope not being able to have an emergency fund

[Anonymous No.56787169]

>>56782774
>What is even the point of an emergency fund?
its sound financial planning and massively assists in positive mental wellbeing.

[Anonymous No.56787182]

>>56785668
>My EF is about $8k. If my bags dump like 89% from here I am using the EF to buy in lower
>this
keeping a years worth in an EF and buying btc bottoms every few years

[Anonymous No.56787327]

>>56782774
I don't have any of those though. Plus those things don't involve being independent l. They encourage leech behavior

[Anonymous No.56787594]

>>56783283
My mom is a fucking retard and drowning in debt because she can't stop buying shit on her credit cards. She is miserable and the sad little dopamine hit she gets when a package arrives in the mail is all she has to live for. Life is really sad.