If nothing else, COVID-19 has shown the importance of having an emergency fund. How many of us really have 3-6 months of living expenses saved? How many consider their credit card to be a kind of emergency fund?
I'm a semi-devotee of Dave Ramsey, and if anyone is familiar with him, he advocates paying off debt aggressively, laying out steps to achieve, and having a fully stocked emergency fund.
How many of you have a fully stocked emergency fund? How do you fill in the gaps - do any of you use credit cards exclusively?
I'd love for everyone to share how they're financially making it through this pandemic - it's something I haven't experienced in my lifetime.
For those of you who've applied for unemployment, how long has it taken to come through?