In fact — don’t even think about it.
If you do not have a fully stacked emergency fund sitting in a solid Money Market Fund,
You have no business at the investment table.
Bonds.
Fixed income funds.
Special funds.
Equity funds.
Cryptocurrency.
Land.
REITs.
Not your place yet.
You cannot skip Class 3 in the financial pyramid and jump straight to Class 8.
Life will drag you back — painfully.
Why This Truth Hits Hard
This truth hits hardest when it comes to an emergency fund.
An emergency fund is level one.
It is the first layer of savings before any form of investing.
It gives you the green light to invest.
What I See Every Day
Most people who approach me want to start their financial freedom journey at the investment level.
My job is to guide them — sometimes against their excitement.
The hardest part?
Slowing them down and sending them back to level one.
Many understand.
Some ignore it and invest anyway.
The results are predictable.
The Outcome of Skipping the Basics
Seven months later, they are still stuck.
No structure.
No progress.
No peace.
The Real Danger
If you don’t have an emergency fund, your investments are exposed.
One medical bill.
One job loss.
One family crisis.
And you’ll crash into your investment account and withdraw —destroying compounding, timing, and momentum.
What an Emergency Fund Really Is
An emergency fund prevents this mistake.
It is your shock absorber.
Your financial cushion.
Your safety net when life throws curveballs.
It feeds you in times of lack.
It holds you steady if income stops.
It protects everything you are building.
This is not optional.
It is a must-have.
The Simple Rule
Take your monthly survival expenses and multiply by six months.
That is your emergency fund target.
Include:
Insurance premiums.
Loan repayments.
Rent or mortgage.
Food and utilities.
Any non-negotiable expense.
Then park that money in a good Money Market Fund —accessible, liquid, and safe.
If you don’t know which one to use, I’ll help you.
WhatsApp me “EMERGENCY MMF”.
I’ll share my recommendation.
Don’t put the cart before the horse.
Do the right thing — in the right order.
Keep winning, Cent Warrior.
Alex Mwangi | WhatsApp 0703472299
