Do you need to access money from time to time? I try to plan ahead but life is full of unforeseen events
I run a tight budget and I have not seen the need for an emergency fund considering my access to money. Interestingly enough, I do feel that I have tight months at times. It may be stressful for some but for our family it’s not. I keep it tight because it’s easy to control spending. Keeping it tight doesn’t mean I don’t save or I don’t invest. If you look at the amount of money I have funnelled through Computershare, or on my mortgage, you would not think that I am tight on money. It just means I keep it tight on discretionary spending.