We’re talking about something not flashy…
but absolutely life-changing:
Your emergency fund.
It’s the difference between:
a small inconvenience
ora full-blown financial crisis
And the best part?
You don’t need thousands to get started.
🛟 Why an emergency fund matters
Life happens.
Car repairs, medical bills, broken phones, job gaps — the stuff you never schedule.
Without savings, people are forced into:
high-interest credit cards
personal loans
overdraft fees
stress, stress, stress
With an emergency fund, those same moments become manageable.
It’s not just money — it’s peace of mind.
💰 How much should you aim for?
Here’s the simplest way to think about it:
Starter goal:
$500–$1,000
(Covers small emergencies so you don’t rely on credit.)
Next goal:
1 month of expenses
Long-term goal:
3–6 months of expenses
Don’t worry about the big number yet — just ask:
“What can I start with this week?”
💡 Where to keep your emergency fund
Put it somewhere:
safe
separate
easy to access
earning interest
The best option:
👉 High-yield savings account (HYSA)
(Usually 8–12x the interest of normal savings accounts.)
🔄 The goal isn’t perfection — it’s consistency
Even $10 or $25 a week grows faster than you think.
It’s about building a habit that protects you for life.
💡 Quick tip of the week
Set up a small automatic transfer every payday.
Treat your emergency fund like a bill — except this one pays you.
Pick your starter emergency fund goal:
$100, $250, $500, or $1,000.
Then put your first deposit in this week.
Your future self will feel the difference.
Crash Expert: “This Looks Like 1929” → 70,000 Hedging Here
Mark Spitznagel, who made $1B in a single day during the 2015 flash crash, warns markets are mimicking 1929. Yeah, just another oracle spouting gloom and doom, right?
Vanguard and Goldman Sachs forecast just 5% and 3% annual S&P returns respectively for the next decade (2024-2034).
Bonds? Not much better.
Enough warning signals—what’s something investors can actually do to diversify this week?
Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.
And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?
Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.
23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.
Shares in new offerings can sell quickly but…
*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.