Scott Bigger: If millennials can learn this now and start working on this over the next 20 years, they're going to be much better off. He says if you have 2,500 bucks in your emergency account, that's a really good start for a lot of people. But outside of that, it's not going to be useful for your life now or help you when you retire. "I don't think the few thousand bucks is going to make a difference on your journey to financial freedom," he says.

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