Yeah one thing Ive noticed when looking to start a business is once you accumulate enough money people are more than willing to throw lots of cheap money at you but until then even small loans they want crazy interest on until you get the wealth accumulation and good reputation.

Does emergency fund include retirement money? I can always tap into my 401k if need be, but if that doesnt include retirement funds wed be close on that 3 - 6 months.

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