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緊急備用金,存多少才夠?才能不怕人生中突發緊急事件!

發布於

意外和明天誰先到,誰也不知道!

 

往往意外來臨,你總會問,

天啊 ~ 老天爺為什麼要這樣對我,我到底做錯了什麼 

 

不知道,這是不是你的心裡話呢?(笑~)

 

那,你真的搞清楚?

  • 緊急備用金,是什麼?
  • 緊急備用金,該準備多少?
  • 緊急備用金,放哪裡好呢?

 

 

接下來,

我們一一來解決這 3 個疑問

 

你準備好了嗎?

 

我們開始吧!

 

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緊急備用金,是什麼?

 

緊急備用金就是當你遇到緊急事件,有一筆備用的錢,可以從容應付這個緊急事件。

 

 

像這次 COVID-19 瘟疫突然到來!很多人瞬間沒了工作、沒了收入。若你早已經有一筆緊急備用金,就不用害怕沒錢不能生活。

 

而你有權利也有能力,讓自己有一段緩衝時間,慢慢找份新工作,或是好好休息一陣子

 

又或是你,還是你的家人,突然遇到意外受傷,緊急需要一筆醫藥費。這時若你有一筆緊急備用金,就會覺得,喔 好佳在,老娘有錢可以付醫藥費,免驚 ~

 

反之,若你遇到人命關天的緊急事件,手頭上又剛好沒有緊急備用金,也沒有醫療險,那你只能跟銀行借,或是乖乖拉下面子跟別人借錢了 ><”

 

 

 


 

"緊急備用金

 

就是

降低無法預期的風險

 


 

 

 

緊急備用金,該存多少呢?

 

 

其實,每個人該準備的金額不大一樣。

 

shumeng 實踐下來,覺得相對妥當的金額,可以用最壞的打算做準備,並且依照不同的人生階段,調整緊急備用金的金額。

 

 

 

整理以下 3 個問題,幫助你好好思考,怎麼準備緊急備用金?

 

你可以找張紙,寫下你的答案。

 

Q 1  你可能會遇到,什麼無法預期的風險?

Q 2  這些無法預期的風險,可以用保險補足嗎?

Q 3  不能靠保險補足的,那該準備多少備用錢,你才有安心的感覺?

 

 

舉例:現在的你 30 歲,

 

A 1  可能會遇到突然收入中斷、意外死亡、意外受傷、自己生病、家人生病 . . .

 

A 2   意外死亡、意外受傷,可以用定期意外險來解決。

 

自己生病、家人生病,可以用定期醫療險來解決。

 

突然收入中斷,可以用 失業補助金 或是緊急預備金來解決。

 

 

A 3   統計一下,每月需要花費有多少?(若有不需要的花費,可以直接打 0

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你該準備多少緊急預備金,才有安心的感覺?

 

可以閉上眼睛,

 

感受一下 

 

當你存到 3 個月6 個月或是 24 個月的金額,

 

 

心裡的感覺如何?

 

 

看看哪個金額,

讓你,最有安全感

 

就可以用這個金額,做為緊急備用金的數字!

 

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緊急備用金,存放哪裡好?

 

 

誰也不希望,需要動用到這筆緊急預備金,但總是以防個萬一,比較安心嘛~~

 

所以,存放的地點,一定得具備以下 2 個條件才妥當。 這樣哪天,你真的緊急需要用錢,也才能救急、救命啊 ~ ~

 

 

1.  24 小時內可以拿到錢

若可以少於 24 小時會更好,有的緊急事件是有時效性的!錯過 1 秒,也許就過了黃金時間也說不一定!

 

 

所以,緊急備用金可以放,哪天若真急用錢,解約後本金不會變少,只有利息會打折又或是放活存保險箱,這樣也很方便在 24 小時內拿到錢。

 

若你把錢放在儲蓄險上,要過好幾天才能拿到錢,解約時本金還會變少,這樣不見得方便且划算。

 

 

那,你可能會問

把緊急備用金,存在股票、基金 . . . 投資工具上好嗎?

 

這,問問自己

若遇到緊急事件時,剛好發生在市場下跌,你該怎麼辦好?

 

捨不得啦~ 之前好不容易才買到便宜價,現賣掉好可惜 ~ 

 

還是沒辦法,急需要錢,只能認賠殺出了 ><” !

 

相信你,心裡應該有答案了

 

 

2.  兩個地方放緊急備用金

 

你知道,

為什麼錢要放兩個地方呢?

 

 

人算不如天算啊!

風險大都無法預期的,分兩個地方存緊急備用金,至少可以降低 50% 的風險。

 

若有一個放錢的地方,遇到無法預期的狀況,錢暫時被卡住了!你還有另一個地方的錢可以用,當意外來臨才不至於心太慌而嚇得不知所措

 

 

另外,跟你說個好康,可以花時間研究看看,哪裡的定存年利率比較好?

 

這樣還可以借用時間和利息的力量,來幫忙你存緊急預備金現網路銀行定存年利率相對高,國外有的貸款銀行,定存年利率還有 7 % 以上呢!

 

聰明的你,為自己選擇最適合,存放緊急預備金的地方吧!

 

 

對了,如果說,你也想要具備「獨立思考」的能力,歡迎你訂閱 shumeng FIRE 寫作訂閱

 

我可以親自帶領你喔,透過寫作好好跟自己溝通,一點一點探索自己內心的想法,慢慢培養你獨立思考的能力,一步步實踐你的 FIRE 計畫。

 

有心實踐 FIRE 的你,點擊報名吧👇👇

 

 

▶️ 延伸閱讀

透過網路自媒體寫作跟自我溝通,一步步探索自我,實踐你的 FIRE 運動

 

 

歡迎留言跟我說,也歡迎你加入專屬 臉書私密社團 一起做討論,讓我們一起學習成長,先為自己備好緊急預備金。

 

記得,你是你自己生命的主人

 

 

 

 

 

< 本網站資訊是 shumeng 經驗分享,並非投資建議,請獨立思考為自己的錢負責 >


 

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