as a young adult, I probably would've laughed in their face. I would have rather spent my money than let it sit around collecting dust, and I probably would have said that's what credit cards are for.
If I'd had an emergency fund, I would've left that job much sooner — or perhaps not even taken it in the first place — and I'd probably be further along in my field now. I suspect I would've been far better at negotiating my pay as well, because the best negotiations tend to happen when you can afford to walk away.Despite not having much money saved up, I started to make a plan to quit my first job out of college so I could move across the country and look for a new one.
If I'd had an emergency fund, I could've covered the repairs and still made the move without getting into debt. I might've even put the money toward a new car instead of repairing my old one that would only last a couple more years.credit card debt If I hadn't had money saved up, I would've had to stick around in that town and take over the lease for a couple months. Because I did have a healthy emergency fund, I was able to move into the city and get a nice Airbnb for the first month. It even had a pool with city views, which I was certain could help me get over any heartbreak.
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