Quote from: bubilas on August 14, 2025, 12:04:10 PM

Quote from: kotajikikox on June 30, 2025, 12:30:19 PM

I think that we should allocate our money into 5 categories.

2. Emergency fund. In cases of emergency, we should be able to get some money for it. Especially in countries where healthcare is not free, we should be prepared to pay if ever we get into accidents or we get sick though hopefully it never happens but still we have to be always prepared either way.

Having some spare money that can be spent on medicine is very important, because the moment of illness is always a very unpredictable event.
We never know whether our body has been fully examined, just as we don’t know whether we will get into a car accident tomorrow, because no one can say this for sure.
Therefore, the extremely responsible movement has a certain amount of money to heal.

This is a perfectly reasonable thought, but in reality, in the country where I live, people are very frivolous about what might happen to them tomorrow. These people don't give a damn that they need to constantly put money aside for a so-called rainy day, when everything can go wrong: either with their health or with their apartment. I mean sudden floods or fires.
Here even many, when they receive money for vacation, they start spending it. And it is surprising: after all, they know that the next month they will not earn anything, no money at all, and then they will somehow live, saving on everything.