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This market got me super down 😞
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It depends on your comfort level. If I were you, I would set up a monthly budget, before allocating discretionary spending, allocate % of your total take home for savings and half of that savings should be setup as monthly automated bank transfer to your brokerage where they get invested in appropriate low free ETFs (VOO, VIG, VGT, etc) the other half should be directed towards an HYSA as an emergency fund.
When your Emergency fund reaches at least 6 months of your living expenses, direct 100% of your savings towards investments.
Some risk averse individuals may bark at not allocating 100% of your monthly savings towards an emergency fund until it reaches 12 months of your monthly expenses. Honestly, it depends on your risk tolerance and available family support.
I feel like not investing now and focusing on building an emergency fund is a waste of loss returns and significant loss of investments if you calculate next 35 years of compounding growth. Then again, I have immediate family that I can rely on if I were to be in financial hardship. I keep 6-month emergency fund but often invest half of the fund in market downturn to benefit from that bull runs after downturns. Then slowly build the funds again using monthly allocation.
I don’t understand the question here. Are you looking for prioritization/guidance?
More context regarding debt : 15K on my mortgage, another 45K in personal loans, 27K car (new family vehicle)