Emergency fund
Cash for unexpected costs or lost income, usually three to six months of essential spending, kept apart from investments.
It lets your investments stay invested when life happens. Self-employed people and those with variable income usually keep more.
Tools that use it
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Mindset
You need less than you think: the case for a smaller number
Cutting CHF 1,000 from monthly spending can move your independence date by years. Where the money really goes and how to cut without feeling poorer.