Excerpt:“you need an emergency fund, but first, Andrew Johnson of Michigan-based GreenPath Debt Solutions, advises Investopedia readers to consider a few key factors: “Is the emergency fund for a full-blown layoff? Is it for something big like a new roof or a new heater? How many incomes are in the family? Are you the sole breadwinner? Does your partner have a full- or part-time job?  See More

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