Financial Planning Starts With an Emergency Fund, Not Investments

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People rush to invest before they have a cushion, then sell those investments at the worst moment when a job loss or medical bill hits. Sound financial planning builds the buffer first. Three to six months of essential expenses, held in a savings account or liquid fund you can reach in a day, not locked away chasing returns. Its job is availability, not growth. With that base in place, everything you invest afterwards can stay invested through a rough patch. Real financial planning protects the plan before it grows. As a SEBI-registered investment advisor, 1 Finance offers purely advisory guidance with no products to sell and no commissions to earn. Get it on the App Store.

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