Emergency Money Calculation Formula Regular Working Man Edition 🎬

"Emergency Reserve" Anti-Death Items More Important Than Plays! 🎬

In the world of freelance, certainty is uncertainty. Today we may have a full-handed job, but tomorrow the pile may slide, or the customer may delay.

Having this money will help us not to accept work that we do not want to do or borrow.

1. How much does it take to be reassuring?

For regular employees, 3-6 months may be enough, but for us, Ball recommends "6-12 months" of monthly expenses.

Example: If we cost $30,000 a month, you should have at least $150,000 in your account. That sounds a lot...But trust Ball, there's a lot more "full sleep"!

2. Where to keep it?

This money must be "easily withdrawn," but "do not spend it."

Ball recommends high-interest deposit accounts like Dime, or digital money apps, because they are clearly proportional. Interest is better than regular savings accounts. And most importantly, we see the numbers grow every day. Encourage to keep.

3. How to start if you don't have one yet?

Don't press yourself that there must be a big chunk immediately. Start with the first one month. Once done, pride will take us to the second-third month.

Summary from the ball:

💰 Emergency reserves are not rich money, but money stored in our "dignity supply" so that we can choose the right job and not have to live in paranoia.

Now, who has how many months to spare? Or who is starting to keep? Comment to cheer for each other. The ball itself starts from zero as well. Fight together!

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