

The other benefit of having a proper emergency fund is being able to say no to your boss without any fear. It took me 10 years but I have enough accessible funds to go a year easily without any new income. The freedom at work is so nice. I’ve noticed that my confidence at not needing the job makes them take me way more seriously and offer all kinds of benefits they don’t afford everyone.



I asked myself this often. I think it’s absentmindedness but I still find myself annoyed. Wear it or don’t but halfway just gets to me.