In the volatile world of freelancing, I'd say emergency savings are not negotiable
Having an emergency fund can help you get through common things like a sudden loss of a client or late payments.
Having a cushion has always been a priority for me. So, when I got a job, I started creating a little emergency fund. And when I left that job to become a full-time freelancer, I decided to make that account a priority. Even if it was modest, it was good to know it was there.
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