Net Worth

Your Monthly Budget Is Missing The Bigger Picture

Your cash flow says you can afford it. Your net worth might disagree. A framework for telling the two apart — with a story about two people who started in exactly the same place and ended up nowhere close.

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The Emergency Fund Rule Is Bad Advice — Here's What to Do Instead

Three to six months of expenses sitting in a savings account. It's treated like a moral commandment of personal finance — and if you don't have it, it's easy to feel behind or irresponsible, even though that target ignores a lot of what actually makes someone financially secure.

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