What You Should Always Have Money Saved in

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You should always have money saved in money market accounts in case of financial emergency. It is recommended that you have enough to sustain yourself for about half a year in case the worst events you imagined become even worst. You should never dip into your investments however, because that is literally robbing from your future self to pay your present self. Not only that, you will have to pay higher income or capital gains taxes and for some mutual funds, some back-end loads.