atom · money / basics
Build an emergency fund
-
Set the first target at one month.
Three to six months is the goal, but a distant target stops people starting.
-
Keep it separate and boring.
A different account, instant access, no card attached. Visibility is what erodes it.
-
Automate a fixed amount on payday.
Small and automatic beats large and occasional.
-
Define what counts as an emergency.
Write it down: job loss, medical, essential repair. Not holidays and not sales.
-
Refill it before anything else.
After you use it, the fund gets priority again until it is whole.
0 of 5 done
- 1 Founder draft core @bernard ⚡ new
#1 becomes the Core. This atoma is young: submit a better distillation and take the seat.
No gear needed. Your pot, a timer and ice are enough. That is the point.
Founder draft
@bernard · challengers welcome
