Yeah emergency funds is very very important but the thing is to that many persons don't actually put into consideration since their is always no one that plans or prays for emergency to happen to them but even with that we can't deny the fact that it's inevitable and something like this ought to happen so rather than dodge it, it's best throw out some small amount or percentage in accumulation to this and believe it will save you a lot of stress when the need be for it.
That's right.
Because failing to prepare for those rainy days and they eventually come, would only mean one thing, that's the fact that you'll have to deep your hand into your investment or even money meant for other expenses to sort out that emergency and that could be terribly bad for your investment. You're right that we don't usually pray for rainy days to come, but since we do not know what the future holds, anything can happen and things can go from cool to awful in seconds and the best we can do is try to have some kind of financial cushion to be able to weather those unique situations so as to ensure the growth and safety of your investment.