Thank you for the feedback, Navid! I agree that emergency funds are a great place for some people to start. I’d encourage financial professionals to start out by asking questions to learn about the people seeking their advice before prescribing. At the time, I was a 23-yr old with no kids, making $12/hr, and living back at home. My lack of dependents and living situation afforded me the ability to choose what risks to mitigate and I preferred to squirrel more money away for the future.