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@robeverydayfinance: 📊 I was laid off 3 times in a 2 year period, but beyond the immediate financial impact, it fundamentally changed the way I see money. 

Every impromptu meeting or slack message asking if I was free sent a shockwave of anxiety through my body, and I’m not sure if that’s something I’ll ever shake. 

As a result, I stopped accepting standard advice and crafted my own views and strategies with money. 

The 3 month emergency fund just isn’t enough anymore. I truly believe a 6 month emergency fund is the only way to go. 

A Roth IRA isn’t an emergency fund and should never be used as one. I made a video detailing this from the Roth side, but I’m 100% against this. 

Low cost, broad market index funds are the most seamless path to growing and building wealth. You don’t have to worry about individual stocks and you get enough growth and diversity to make it worth it. 
Follow me @robeverydayfinance for more personal finance you weren’t taught growing up! #PersonalFinance #personalfinancetips #financialliteracy #rothira #emergencyfund

Rob | Everyday Finance
Rob | Everyday Finance
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Region: US
Thursday 17 September 2026 17:10:57 GMT
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Comments

yappinwithamber
Yappingwithamber :
This is great advice.
2026-09-21 17:05:32
2
6k.maun
6K.Maun | Investing & Wealth :
Good comms glad you’re still winning bro
2026-09-18 01:40:24
5
tajirford
Ta’Jir Ford :
Would you recommend prioritizing the emergency fund over contributing to your 401(k)? Meaning should I stop having 6% of my income added to my retirement so that I can use that money for my emergency fund coming with someone who is not flowing with extra Cash, has quite a bit of debt and can only really say about $100 a check sometimes.
2026-09-17 18:02:14
3
thelifeofisisj
thelifeofisisj :
What HYSA do you recommend?
2026-09-17 17:34:11
3
notesbynathan
notesbynathan :
Love these!
2026-09-17 22:58:23
2
dieg___oo
Diego_fl :
🥰🥰🥰
2026-09-19 18:28:29
1
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Bí quyết chăm sóc sức khỏe cho cả gia đình nằm ở đây 🥰🥰#trungtamome #chamsocsuckhoechudong #hoctructuyen #ome3t
Bí quyết chăm sóc sức khỏe cho cả gia đình nằm ở đây 🥰🥰#trungtamome #chamsocsuckhoechudong #hoctructuyen #ome3t


Izin bng @Hansen Vendi Agus #hansenvendiagus14 #katakata #katasad #viral
Izin bng @Hansen Vendi Agus #hansenvendiagus14 #katakata #katasad #viral
#CapCut You mean oversized expensive clothes 2. * * Dark & neutral color: * * Black, navy, - ash, olive = auto firm - 3. * * Neat from the ends of the hair: * * Hair, - nails, clean shoes. Messy = authority drop - 4. * * Do not most accessories: * * 1 watch is enough - * #BadDay Edition * - If you want to post OOTD fitting again bad day but still authoritative: - '#BerwibawaDuluBadDayKemudian - #OutfitTegas #CleanLook " width="135" height="240">
#CapCut You mean "authoritative guy outfit" for ngatasin_ bad day _ yes? ** Let it still look firm + confident even though again _ bad mood _, the key: simple, neat, and neutral color. Authoritative outfit = make people auto reluctant. # # #* 3 Formula Outfit Boy Anti Bad Day * * * 1. Smart Casual CEO Mode * * Make college, work, or hang out but still respected - * * Top: * * Plain oxford shirt navy, black, or white color. Roll up the sleeves a little. _ ** Subordinate: * * Chino pants / ankle pants khaki color, charcoal, or black. No torn. - ** Shoes: * * Loafers, chelsea boots, or clean white sneakers. - * * Extra: * * Leather / steel watch + sunglasses. * * * Vibes: * * * Calm but dominant. Bad day immediately stepped aside. * * 2. Minimalist Monochrome * * The easiest but the effect is strong - ** Top: * * Black crew neck / henley shirt fit on body, do not oversized - * * Bottom: * * Black material pants or black wash slim fit jeans - - * * Outer: * * Overshirt or chore jacket matching color - * * Shoes: * * Boots or full black sneakers * ** Vibes: * * * Mysterious, focused, not much drama. * * 3. Old Money Clean Look ** Expensive look without big logo - * * Tops: * * Neat polo shirt or earth tone linen shirt: olive, cream, mocca - * * Bottom: * * Pants material straight cut beige / off-white color - * * Shoes: * * White premium sneakers or penny loafers - ** Extra: * * Leather belt, smooth hair neat *** Vibes: * * * Adult, classy, bad day so don't dare to disturb. --- # # #* Authoritative Key Let Bad Day Lose: * 1. * * Fit is king: ** Clothes that fit on the body > oversized expensive clothes 2. * * Dark & neutral color: * * Black, navy, - ash, olive = auto firm - 3. * * Neat from the ends of the hair: * * Hair, - nails, clean shoes. Messy = authority drop - 4. * * Do not most accessories: * * 1 watch is enough - * #BadDay Edition * - If you want to post OOTD fitting again bad day but still authoritative: - '#BerwibawaDuluBadDayKemudian - #OutfitTegas #CleanLook

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