Every financial guru on the planet says the same thing: Build an Emergency Fund.
And we all know we need to. It just makes common sense.
But is your emergency fund functioning like it should?
Or do you dip into it over and over throughout the year? Do you feel like you spend all your Goal-striving energy on just replenishing the pot?
If you answered 'Yes' to the second question, then it sounds like your emergency fund is functioning more like a part of your operating fund.