you really need an emergency fund 🫶

you need an emergency fund, and you needed it yesterday.

Its simply 3–6 months of your basic living expenses, sitting in a separate account (or somewhere in piggy), untouched, doing absolutely nothing until the day everything goes wrong at once (and trust Nigeria, that day will come).

Think of it as your financial "no vex" money. Not for owambe. Not for that iPhone. Strictly for when JAPA plans get complicated, your data business crashes, or your body decides to malfunction without warning.
Start small. Even ₦5,000 a month builds a cushion over time. Future you, panicking at 2am, will be so grateful present you showed up. Start today. Literally today. 💚