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How to or not to use emergency fund?Placing value on having a fund over using for non-emergency debt, a new or used vehicle that is needed, and life events.
How to or not to use emergency fund?Placing value on having a fund over using for non-emergency debt, a new or used vehicle that is needed, and life events. 43(m) single full-time dad to one teenager of driving age. Gross annual income +/- 115k HYSA (EF) 50k 401k 13k (eg a sharpie and a piece of cardboard) Live in HCOL area, I rent, total monthly epenses +/- 5.5k 700+ Fico 765 Vantage IRS tax debt right under 19k. Installment agreement in place. Minimum payment of $322, but I've been paying $644 mo...
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