Change is the real constant in life, many would say. Back in June 2020, I published a blog on how worried I was. Why was I worried? Dividends from my investments during the COVID-19 pandemic reduced pretty significantly. The central banks were also lowering interest rates again in order to keep their economies alive. That meant even lower interest income for my fixed deposits. It was a double whammy. Without an earned income, the double whammy was pretty impactful for me. Fortunately, being a worrier, I built buffers before retiring early so many years ago. I had an emergency fund which I was prepared to dip into if things got even worse in the same way our country dipped into our reserves during the pandemic. It is imperative to hold a buffer against possible crises. Our country has reserves and we should have emergency funds. Readers who have been following my blogs for some time know what...