Have you run your numbers? Do you know where your money goes? First half of the year, money spent on emergencies alone is over 12k! This includes home maintenance, fridge repairs, and car repairs. (It doesn’t even include funeral contributions and the like). Having an emergency fund is the most important part of investing! Else you end up forced to liquidate in a down market, just to survive! Run your numbers! Set aside a rainy day account! In Ghana, now, that is literal! #FinanceTips