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The client who never paid: Why I'm now an emergency fund evangelist
As a graphic designer, I used to live paycheck to paycheck, thinking emergencies wouldn't happen to me. When a major client ghosted me after a project, I had no buffer and almost missed rent. That scare was a wake-up call I needed. Now, I automatically transfer a portion of every invoice to a savings account. It's boring, but it lets me sleep at night, lmao.
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kelly2581h ago
Running a moving company, I've had clients disappear after a job too... now I stash 20% of every payment into a separate account before I even touch the rest. It covers slow months and those surprise expenses that always pop up. Makes the stress way more manageable when you know it's there.
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