Saving starts with an honest purpose
Do not start with the fund or account. Start with what the money is meant to do.
The buffer has a boring job
It is there when the car breaks or an invoice lands badly. Money needed soon should not depend on the market.
ISK is simple, not magic
The account can be useful, but tax still matters in weak years and with larger capital.
Compound interest dislikes perfect assumptions
Jobs change, markets fall and motivation slips. Test weaker scenarios too.
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