Boring cash in a high-yield account beats clever leverage when the job, the body, or the market breaks. Excitement belongs in hobbies, not in your only buffer.
Boring cash beats clever leverage in a crisis.
Other Truths you may like to hear
Money
Your salary is a drug
Own assets or stay rented forever.
MoneyHouse-rich cash-poor is a trap
Do the math; sometimes renting keeps you free.
MoneyDebt loves optimistic forecasts
Stress-test payments at unemployment rates.
MoneyA car is a depreciating safety box
Buy reliable used; invest the lease difference.