Dave – You say, the way to turn an emergency into an annoyance is not to have debt and have cash. One thing I am coming to learn as I work through the Baby Steps is that having an emergency fund turns a dumpster fire into a mere spark. You are crazy smart on this.
In the past, when I wasn’t paying attention to where our money was going, I would have a huge sense of panic every time some minor thing broke, be it the car or the house or something in the house.
That’s a good word – one other people probably need to hear too.
Having cash and no debt is the way to turn an emergency into an annoyance.
It’s common sense, but we don’t live in an era that has much of that.