Car repair is important. I do appreciate my car taking me to my job.
Honestly, an emergency fund is for that kind of thing. Like the flat tire my husband got. It gives relief when things go wrong. Now, I’m going to re-fill my emergency fund with money I would have paid toward my loans, but still. I’m not going to stop kicking my student loans’ butts.
Maybe I’m being silly, but the world seems like it’d be a lot freer of a place if debt wasn’t weighing me down. Like, a job loss wouldn’t be so terrifying if I didn’t have that weighing over my head. I could breathe and move on.
It’s a dream that makes me happy. I know, however, that debt can hit you very suddenly out of nowhere. In particular, medical debt. You don’t choose medical debt, it chooses you. There’s only so much you can plan, outside of a nice emergency fund of who knows how much money. You could get hit by a car and your insurance might only cover part of it, you could suddenly get cancer, you could suddenly develop a mental illness (just so you know, schizophrenia frequently makes its first appearance in your 20’s in lots of cases, random bit of information) and need lots of treatment and meds…forever. And if that happens when you’re just starting to dig yourself out of debt? That’s rough (honestly, it’s rough in general, this is just insult to injury). Or right when you’ve gotten out of debt only to be buried again? For something out of your control?
Anxiety can be a very bad thing, but I can’t say that it has ever kept me from being prepared. Well, there was this one time I was afraid to look at my bank account for a few months…but I got over that. Now I just plan and plan and plan and plan. I like planning. I like knowing what to do when something unexpected happens. I do kind of hate the part where I don’t actually have the supplies yet to pull off the plan, but I’m getting there.