Nice lesson! I like the fact that you spoke about automated savings, for emergency funds accumulation, because with manual savings alone somebody might go broke once, as things to spend on will always exist.
This na true talk.
Although, this na the purpose of the 50% of your income, to fit dey take sort out those kyn matters if them eventually arise, but just to dey on a safer side, e good to use the automated savings so that excuse no go dey, because any day you miss that savings, e dey draw your plans one step back and to fit balance the whole thing, e go require you to cut some kyn expenses in order to fit put back the one wey been don comot.