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Cultivating self-awareness and self-reflection
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Having an emergency fund is commonly accepted (and good!) advice. When to spend it is addressed less often.
To make it simple to decide when to use it, define what it's for first.
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Your first step is to figure out what counts as a true emergency.
Not all emergencies can be predicted, but many can. Car repairs, medical expenses, higher-than-normal bills. Even having a list of things that you can and cannot spend an emergency fund on can help you stay on track and avoid spending it when you shouldn't.
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"Making money is art and working is art and good business is the best art." ~ Andy Warhol
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