Let's be honest: there's something deeply comforting about seeing a healthy balance in your savings account. No volatility, no market noise, just your money sitting there looking reassuring. But here's the thing. That comfort might be coming at a price, and it's one that quietly compounds year after year. The Emergency Fund Rule (and Why It Stops There) Every good financial plan starts with an emergency fund. A pot covering at least six months of essential outgoings, covering