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Your emergency fund would not cover six weeks of fixed expenses. That is not a safety net. That is a delay.

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You have a Costco membership and a negative savings rate. One of those is doing more damage than the other.

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Your emergency fund covers one month of expenses. One medical bill dismantles that completely.

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Saving without a specific target date and a specific dollar amount is not saving. It is moving money to a different account and feeling good about it.

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You’ve got goals. You’ve got hustle. You’ve got no idea what to do with your money.
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Net worth is the only number that does not lie. Take-home pay lies. Savings rate lies. Net worth does not.

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