In the last few weeks, I know six different people who experienced shitty luck with their cars. Four of those incidents were parked hit and runs. In three of the four situations, the cowardly assailant didn’t leave a note. Another girl backed into a pole. Another lost her keys. I learned from observing the way these folks weathered their losses. In the first draft of this post, I was tempted to write that “unexpectedly” shitty things happen in life, but if I’m honest, I do expect shitty things to happen and that’s why I’m often better prepared for them than most people. I’m not smug; I’m just unrelentingly pessimistic.I’m not trying to get all Suze Orman on your ass, but do you have sufficient savings to cushion a crisis should one arise? A couple of the aforementioned victims make good salaries, but when life turded in their path they panicked and had to borrow money. I’m willing to loan people money in a pinch. Though I confess I throw a little side-eye when people who make shit-ton of cash don’t have any sort of emergency stash to weather life’s downturns. People measure security in different ways, but a year’s worth of living expenses in an emergency fund is a reasonable start. (Calculating in your head? Double the number. We underestimate spending.) Should life deal you illness, job loss, or a tornado, a shittymoments fund ensures tragedy isn’t compounded by financial stress. Once you get your fund established and are enjoying a stress-free stretch of life, some of you will be tempted to blow your safety cash on an extravagant purchase. DON’T. Giuseppe Zanottis aren’t that chic when you are living out of your car.
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