I realize I need more margin in my life.

I’m constantly trying to cram too many projects and tasks into my day and it’s not sustainable.

And when I think about it the problem is bigger than just how I schedule my days. It also affects my finances.

For example, if I operate with no margin financially then I create unnecessary stress and pressure in my life. If we have a big unexpected expense and we have no emergency fund then there’s suddenly a major problem in our family.

However, if we have a fully-funded emergency fund (which we define as at least 6 months of living expenses) then the “emergency” gets downgraded from a Category 4 to a Category 1 storm.

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