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When investing we must invest in long term plans. If after investing we think that we have invested now but when we need it we will sell our investment to meet that need then we are wrong. When we need it we may find that our investment is temporarily at a loss at that time but selling the investment would not be wise at all. In this case, you have a simple solution, that solution is to forget about spending the amount of investment that you invest. Save money at your own peril. Spend money from that savings when needed but not from your own investments.