Beyond the emergency fund with Humphrey Bogart

Humphrey Bogart is one of my favorite actors. He was a man’s man. One of my favorite Bogart quotes is: “The only good reason to have money is to tell any SOB in the world to go to hell.” While this may be oversimplifying things (there are many more reasons to have money – cough…

Using your emergency fund to pay off debt

Should you use your emergency fund to pay off debt? Like most things, the answer you will frequently find for this question is: it depends. It depends on things like your job security, your risk tolerance, or your ability to access money quickly. ‘It depends’ is not always the most satisfying answer. So I’d like…