Your Emergency Fund - Your Financial Full-Court Press

Coach, Let’s Talk Defense.
Great coaches don’t just focus on offense—they build elite defenses.

In the financial game, your emergency fund is your defense. It protects you from life's unexpected turnovers:
🚗 Car repairs
💡 Surprise bills
🏥 Medical expenses
🛠️ Broken water heaters

No matter how well you plan, life will press you.
But a well-built emergency fund helps you break that pressure—without going into debt.

🧱 What Is an Emergency Fund?

A cash cushion set aside for real emergencies—not new sneakers or last-minute concert tickets.
It’s money you can access quickly, without penalty.

📏 How Much Do You Need?

✅ Beginner goal: $1,000
✅ Solid defense: 3 months of living expenses
✅ Elite level: 6 months of living expenses

Start small. Build consistently. This is your financial conditioning.

💸 Where Should You Keep It?

Keep it liquid but separate:

• High-yield savings account

• Money market account

• NOT your checking account or an investment fund

You need access, not temptation.

🏀 How Do You Build It?

Think like a coach:

1. Break it into quarters – One month at a time

2. Automate it – Treat it like a non-negotiable bill

3. Use your off-season – Tax refunds, camp money, stipends = fund fuel

This isn’t flashy, but it’s championship-level strategy.

🧠 Why It Matters

Without an emergency fund, every financial hiccup feels like a crisis.
With one, you stay calm, in control, and focused on your long game.

You don’t leave practice early just because it’s hard. Don’t quit on your fund just because it’s slow.

🚨 Coach’s Challenge This Week:
Open a separate high-yield savings account and transfer your first $100.
Even if it’s $10—start. That’s your first stop on the road to financial stability.

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See you next week,
Coach Mike Klinzing
Founder, Wealth4Coaches
"Coach smarter. Save better. Live freer."

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