# Need Real Finance Advice?

**URL:** https://forums.speedlife.net/t/need-real-finance-advice/247209
**Category:** Shift518 Off Topic
**Created:** [September 30, 2009, 12:22pm UTC](https://forums.speedlife.net/t/need-real-finance-advice/247209 "2009-09-30T12:22:15Z")
**Posts on this page:** 1
**Showing post:** 75

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### Author: ![OsoiNA6](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/osoina6/32/6301_2.png) [@OsoiNA6](https://forums.speedlife.net/u/OsoiNA6)
#### Post date: [October 1, 2009, 1:05pm UTC](https://forums.speedlife.net/t/need-real-finance-advice/247209/75 "2009-10-01T13:05:22Z")

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> [@OFFICIAL Buffalo Sabres Thread](https://forums.speedlife.net/t/official-buffalo-sabres-thread/25170/2474):
>
> I keep my savings in a normal savings account, plus I have some in my 401K. I like to keep my assets as liquid as possible, but its difficult because I barely have the discipline to not spend it all on stupid crap.
> 
> I need to start some type of CD I think…
> 
> I dont have a lot either, maybe enough to live for 6 months if I lost my job or something…

Six month cushion is great… I’ve read that if you have a 3-6 month “emergency fund” set aside, that’s a good thing.

You can use that instead of taking out loans / racking up CC bills to deal with an emergency situation (something big breaks on car / house)

As for discipline, well I hear ya man but if you have discipline to put aside 6 months worth of living expenses I’m sure you know when an expense is a MUST and when it’s not.

HOWEVER if you are a hobo in the 518 area (who stole internet access and joined Shift) and $200 represents 6 months worth of living expenses ignore the above sentence… :lol

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