Having an emergency is a top priority on our path to financial security and freedom. There are different-sized emergency funds as we progress.

A small emergency fund protects us from simple maintenance and health situations. Middle funds cover us from large maintenance issues like roofs and air conditioners.

And large emergency funds cover 1-2 years of living expenses as we retire from the workforce.

Once we build middle and large-sized funds, we can also invest this money in savings bonds, Treasury Bonds, and USDC stable coins to get an excellent yield on our money.

Just because we have money to protect us from harmful situations doesn't mean we can't also create an income stream. We can have the best of both worlds.