Читать книгу Financial Adulting - Ashley Feinstein Gerstley - Страница 65

We talk a lot about building up our rainy-day funds, but we don't talk enough about actually using them when we need them. Once you've built the habit of saving every paycheck, it can feel painful and even unnatural to use the money set aside. People who've retired report a similar feeling when depleting rather than building their retirement money. But that's what it's there for!

To make this easier on ourselves, we should be very clear from the start about when we'll use the money in our rainy-day fund (probably the scenarios that you walked through in the previous exercise). What constitutes an emergency?

If a situation arises where it makes sense to use your rainy-day fund, make the conscious choice to use it. Transfer a month's worth of expenses to your checking account instead of transferring money over every time you need it (like a slow painful drip). This feels a lot more powerful and less agonizing. Once your situation changes, you can work to build it back up.