From the outside looking in, I guess many might view me as a young, brash and authoritative wannabe (from the way I write) who has crashed into this increasingly saturated personal finance blogging sphere. After all, with only 2-3 years of both working and investing experience, what gives me the right to be arrogantly dispensing personal financial tips to the reading public? Seriously, what can I offer?

“What, no emergency fund?! He must be one of those Gen Ys who expects a shiny unicorn on top of the flowery lawn. Life isn’t that perfect, dude. Wait till you get hit by life’s inevitable disappointments and tragedies.”

I will be the first to raise up my hands and admit that the original title of this post “Why We Don’t Keep An Emergency Fund” is at best, misleading. And it’s unfortunate if some people only read the title or the first few paragraphs (really appreciate those who read that full post and tried to ...