台灣FIRE運動 GO.
台灣FIRE運動 GO.

台灣 FIRE理財族 shumeng，分享透過可行的 「FIRE 4 % 法則」、「FIRE 111 法則」、「FIRE 3 帳戶理財法」。 以及 shumeng 實踐 FIRE 的心得與體悟，幫助你少走一些彎路，一起提早財務自由 $ 活出你想要的 FIRE 人生。 有任何想法，或是想說的話，請寄到 askshumeng@gmail.com ❤️ 對不起，請原諒我，謝謝你，我愛你 ❤️

緊急備用金，存多少才夠？才能不怕人生中突發緊急事件！

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，緊急備用金可以放定存，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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原文連結台灣FIRE運動 GO.

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