I agree with the 20%  of your salary goes to emergency funds, what I do not agree is that using your emergency funds for savings, or even investment. What I do now to ensure that my money will not go to waste is that, 20% for emergency funds and 20% for ICO investment, I found this EON ICO that is very promising and I believe that investing my money into it is a wise move to ensure that my savings will soon have great returns. EON ICO has a bright future ahead of it, I am sure I have made the right decision.