Totally get the savings angle, but what about when something huge pops up unexpectedly? Just moved into our custom build and the HVAC went wonky within two months... emergency fund helped, but honestly, credit cards filled the gap. Anyone else had to juggle both?
"emergency fund helped, but honestly, credit cards filled the gap."
Been there myself—had a pipe burst in our basement literally weeks after moving in. Savings cushioned the blow, but credit cards were lifesavers for the overflow. Balancing both isn't ideal, but sometimes reality hits hard...
I've leaned on credit cards too, but honestly, after a couple scares, I'm pretty skeptical about depending on them. A few years back, our furnace quit mid-January—talk about timing... Savings took most of the hit, but the credit card balance lingered way longer than I'd hoped. Ever since, I've been wondering if padding that emergency fund a bit more isn't smarter in the long run. Debt's easy to rack up, but man, paying it off feels like forever.
