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The Joys of Compounding
When fear spreads nowadays, it spreads faster than it ever has in history because of things like social media and technology. It's really important to just have a strong emergency fund or a strong cash position so you're able to meet any near term liabilities. Money market funds or high yield savings accounts are great options for a rainy day fun. There can be some behavioral advantages to this where you see it as a separate pot of money that you might avoid tapping into for regular expenses.