Should I Use Emergency funds or Sell my Assets ? - page 5.

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Quote from: waONE on July 17, 2023, 02:34:09 AM

Quote from: Minecache on July 17, 2023, 01:29:11 AM

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How can it be that the crypto market, whose movements are very volatile, makes Bitcoin a place for storage or for saving, that is clearly the wrong decision,
if for a place to save then the priority is with low risk,
what is clear is saving money on Bitcoin will make you lose.

The volatility of bitcoin is crazy, it can cause our assets to lose more than 50% to 80% of their value if we are in bear season. And if bear season lasts, what happens? That would be a dire situation for anyone who sees bitcoin as a store of value. But unfortunately, many people still have that mindset, they see bitcoin as a store of value, a safe haven for their wealth.

Many people think that fiat depreciates too quickly and that inflation in 2022 has caused the currency's value to depreciate severely. But I want to ask people who bought bitcoins for $50k or more in 2021, is it a store of value as many are saying? Or is it just an investment that would be better?

AicecreaME

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Use your emergency funds, don't sell your assets. Fiat will never give you any profits in the long run but your assets can.

Find a job that pays higher than your current job so you will never spend your emergency funds, unless it's really an emergency. The key so you will never be force to sell your assets is to earn fiat that will be enough or more than enough to sustain your needs and wants, also to have more to buy more assets.

Ahli38

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Quote from: Patrol69 on July 19, 2023, 06:53:50 AM

People usually spend money from their emergency fund when they are in danger. Emergency funds are kept for that purpose so that those funds come in handy in times of need. Since you need to spend money right now, I don't see anything wrong in spending money right now, but instead of spending money the way you are spending money, you can spend your money in alternative ways. Instead of spending money in this way, make a plan with your total money so that you can earn some money by using that money and you can do the things you need with that earned money. By adopting this strategy, you will see that your emergency fund money has acted as capital and you have earned some profit by using that capital, thus keeping your emergency fund safe while you are able to do the things you need to do.

Well, emergency funds are indeed collected and prepared to be used in situations that are considered emergency or when we have unexpected needs. But sometimes people too easily think of a situation as an emergency. Even though he can still handle it without using an emergency fund. But that's not a problem as long as it can still help balance someone's finances. I have also used the emergency fund several times. like when my child is sick, my wife is sick and my brother has to be hospitalized. I was really helped and grateful to have raised an emergency fund at that time. Because I was able to help my brother who was in need of fast funds at that time. Sometimes we can also use emergency funds not only for emergencies in ourselves personally. but we can also use it to help other people who are in a situation that needs immediate help.

Patrol69

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People usually spend money from their emergency fund when they are in danger. Emergency funds are kept for that purpose so that those funds come in handy in times of need. Since you need to spend money right now, I don't see anything wrong in spending money right now, but instead of spending money the way you are spending money, you can spend your money in alternative ways. Instead of spending money in this way, make a plan with your total money so that you can earn some money by using that money and you can do the things you need with that earned money. By adopting this strategy, you will see that your emergency fund money has acted as capital and you have earned some profit by using that capital, thus keeping your emergency fund safe while you are able to do the things you need to do.

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Quote from: mvdheuvel1983 on June 27, 2023, 03:23:13 AM

I reluctantly followed the counsel of a financial advisor to fix my finances in order by creating a budget and tracking my expenses, inflow and outflow of cash using an excel sheet. The economy has been crazy in my country so I needed to do something urgently. My greatest realization after this is that inflation all round is destroying my budget. It's been five months now. I am torn between using my emergency funds or selling some of my assets to cushion the effect of this economic situation. What do you suggest I do?

We all know that cryptocurrency is a risky investment and it isn't easy to HODL your bitcoin unless you have savings that you could use if you experience problems and badly needed some money. Make sure to only invest money that you could afford to lose on cryptocurrency because if you are not careful you could possibly lose it all if you invest all of your money in cryptocurrency and then you didn't have savings something like health insurance if you needed money if your sick or one of your family members is sick where are you going to get that money your just gonna end up selling your cryptocurrency and probably end up with a lose.

I think in your situation you should use your emergency funds since it's for an emergency, if you use that money you could avoid selling your cryptocurrency assets meaning you're avoiding losing money, but I guess if its a good time to sell and you could make a profit if you sell if you make a decision to sell your cryptocurrency it doesnt matter since you already make a profit another opportunity will come to reinvest your money again on cryptocurrency or other investments.

Doan9269

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Quote from: mvdheuvel1983 on June 27, 2023, 03:23:13 AM

I reluctantly followed the counsel of a financial advisor to fix my finances in order by creating a budget and tracking my expenses, inflow and outflow of cash using an excel sheet. The economy has been crazy in my country so I needed to do something urgently. My greatest realization after this is that inflation all round is destroying my budget. It's been five months now. I am torn between using my emergency funds or selling some of my assets to cushion the effect of this economic situation. What do you suggest I do?

If you're so depressed to the extent of not having a breaking even experienced with the situation of economic impact through inflation, i will suggest that you consider your assets you hodl first, are they actually making money or they are just there for the formation sake turning to a liability over time, if they aren't that productive as expected, they you can convert them to bitcoin and try to hodl or engage doing trading in case you already have the experience of doing that, anything that is not earning you an income is a liability and that's why i asked for it at the first i stande that if the assets you're holding are being productive or not, your emergency funds is always ever relevant as not being touched because you may needee it at anytime, but another good decision is to also have them in bitcoin in your personal wallet decentralized.

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Quote from: erep on July 16, 2023, 07:31:47 PM

Quote from: Pamadar on July 16, 2023, 06:59:34 PM

We don't know when the emergency will come up, but with the experienced we will start to
anticipate and we will allocate a certain amount to save.

It will help to avoid using your investment or your asset as you have dedicated savings
for any emergency it will cover the needs.

During the Covid pandemic, many people did not have emergency funds for their necessities of life and they hoped for financial assistance from the government to help their finances, due to the poor food conditions and high inflation that occurred in several countries.

So this condition is a warning for us to save funds for emergency purposes, I suggest that savings be kept in gold investments to provide price stability and avoid inflation, gold investments are easy to sell again whenever we need them for emergency purposes, we must have a savings fund 40 % of the total funds to maximize financial management, also to prevent selling our assets.

Good point, but there's always knowledge and understanding that you should carry when you invest your money.

I think in terms of saving or having an emergency funds, you should always think ahead of time,
emergency cases are unpredictable, so saving your spare money is really needed to cover those
possible expenses, take time to read and review all the possible venue to invest in if you are aiming
to grow your save money.

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Quote from: mvdheuvel1983 on June 27, 2023, 03:23:13 AM

I reluctantly followed the counsel of a financial advisor to fix my finances in order by creating a budget and tracking my expenses, inflow and outflow of cash using an excel sheet. The economy has been crazy in my country so I needed to do something urgently. My greatest realization after this is that inflation all round is destroying my budget. It's been five months now. I am torn between using my emergency funds or selling some of my assets to cushion the effect of this economic situation. What do you suggest I do?

Certainly not your emergency funds. Emergency funds are funds that you will need in case of something disastrous happens and you will need money. You won't be able to risk that money by investing in crypto currencies. What if you need your emergency funds which you invested in crypto currencies, but the price of the crypto has fallen? That would bring you more trouble. The assets, depends on what kind of assets and how much you are willing to risks. I wouldn't say go all in with your assets, but yeah, maybe a few assets that you can risk and you think would be better to sell and invest in bitcoin or other crypto currencies. As long as you are holding for long term and not investing in some shitcoins, then you will be fine. Remember, invest only what you can afford to lose.

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Quote from: reagansimms on June 27, 2023, 11:46:35 AM

Then what is the use of an emergency fund if you have to sell assets that are stored neatly in your wallet. The function of an emergency fund is to deal with economic problems that come to you, a sudden urgency can be overcome with an emergency fund.
Assets can only be sold when they reach the target you want, there is no reason to sell assets to overcome the financial problems you are facing. Take an emergency fund and save your assets, when the time is right (get profit from selling assets) it can cover the emergency funds you have spent.

I certainly agree with this. An emergency is an emergency, I get that there's that lingering guilt that you'll be touching your savings but it's honestly better than risking your assets. You should keep it mind that selling your assets now may lead to a bigger financial lost as the market today (at least in your area and based on your given situation) is on the low and your assets will surely sell lower than your target rate.

Fullcoinese

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Quote from: Furious 7 on July 17, 2023, 04:29:55 AM

At the end of the day, it's all a matter of choice and if it's the last resort for us to survive, why not.
Having difficult conditions in the economy and being pressured by several factors such as inflation and the current recession that is starting to get closer then indeed when there are still reserve funds or investments why not use them.
But it is certainly the last choice because if we feel that we can still get through it then it would be great if it is not used but if the difficulty of the reserve fund is the right thing to use but if it is still not covered then the funds from the investment may still be used. rather than looking for other options such as debt it would be better to take advantage of the existing ones first to support our needs.

i agree with you, it all depends on the choices of each individual and not all individuals are in the same condition. whether it's using an emergency fund or selling assets, the most important thing is that we can think clearly to take a risk on one of the available options and at least we can survive without having debt, it's not very wise if we still have emergency funds and assets but we debt, it will add to the burden of life.
back to the topic the OP made, he wants to cushion the impact of the economic situation. actually we can't argue further because the OP explained the situation is too general and it all returns to the OP's choice because he is the one who will take the risk and only he knows how much the emergency fund and the value of the assets he has.
one more thing, i think it's also important to do a little to help deal with the economic crisis, namely by reducing your lifestyle or being more frugal.

Fuso.hp

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As you are currently spending from the fund, the funds are of a fixed amount you will run out of money if you use the amount of money you have. If it was the case that the account from which you are spending money, even after you spend money, a certain amount is constantly coming into the account, you would not have to worry about this issue so much. I think it will not be a good decision to spend money from this account regularly at this moment, instead of spending your money in this way, you have to take a risk of your total money, start any business with the total money. There may be risks in the business but there is no chance of running out of money at a certain time. If you know the business well and can hold the business, the chances of success in the business are very high. So instead of spending money in this way, try to use that money somewhere.

lixer

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Quote from: Casdinyard on July 17, 2023, 08:27:06 AM

Bro really out here defeating all the financial advisors on the planet lmao. Holding Fiat is a little out there you know, you got to be specific. For instance saving your money in the bank is considered holding fiat, and I dare say saving your money even if it's in fiat form isn't really that bad to be honest. You're also a little idk man. Your emergency funds are called emergency funds for a reason. You don't use them just cause your financial advisor asked you to invest your money on something. It's not money that is meant to be invested or be used to gain profits. It's literally there to be your safety net for when times get rough. I would much rather prefer OP using his assets as those can be reacquired anyway and who's to say he doesn't have assets that are easily recoverable? That way he doesn't have to spend his saving grace just so he can fund his investment? Cause I'd never go out there investing what's supposed to support me if shit hits the fan my guy. I'd much rather sell my other assets instead.

Totally agreed, the money you have kept for emergencies shouldn't be used for anything at all, even if there is an investment opportunity that might provide you with great profits but you can't do that because the money for emergencies can't be used or made stuck in an investment plan. People usually get greedy when they hear about an opportunity, and they invest their life savings in it and then regret it later when they need money but have none.

Someone should always keep two types of savings, one they should keep for emergencies and the other they should use for things like these if they want to make an investment or buy something, they should use the other savings, but it is very difficult to manage to save that much money.

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Quote from: eightdots on July 17, 2023, 04:12:48 AM

Quote from: Texac on July 17, 2023, 03:24:53 AM

Quote from: AbuBhakar on July 16, 2023, 10:50:16 AM

Quote from: Texac on July 16, 2023, 10:45:18 AM

i don't understand why the OP is confused when he also has emergency funds, and that's where they come into play. Why is he not using it but thinking of selling the property? it's hard to understand. saving will always be easier than buying back any valuable property.

Simply because he still have a crypto that can be easily liquidated since this part of his investment while emergency funds is supposed to be use when you are on emergencies which you don't have pther source of money aside from that particular funds.

I will sell my crypto without a doubt If I'm on his situation since the price of crypto is very volatile and he might find is crypto assets value in very low price in bad market while he can use it not to cover for his expenses. He can always buy back into crypto anytime.

If it's a cryptocurrency such as bitcoin, then I don't think the decision to sell at this point is a wise decision. we don't know how much he bought it for, and with what's going on, almost every coin's price has dropped a lot. he will probably lose a lot if he sells in this bear season. furthermore, there is no guarantee that he will be able to buy back bitcoins at a low price, and he will need to spend more to own bitcoins if the bitcoin price rises sharply. this is an emergency, and is it right to continue not using the emergency fund?

Selling an investment or property is a method of last resort. But when I say this, I also think about this. It can be preferred if your emergency funds are not sufficient.

If you try to pay off with your investment, you may suffer a loss. The price when you buy and the price when you sell may not be the same.

Saving is easier than investing. We have to make decisions like waiting for the right time to invest or investing in the right thing. Therefore, in such cases, it would be wiser to use the funds allocated for emergencies first.

Crypto can always be bought, but why sell it below the price we bought it? As a result, we sell the emergency funds first, then our crypto if not enough, and finally our property to pay off a debt.

You suggest an order of priority for selling off one's possessions: emergency fund, cryptocurrency, and finally real estate. But, man, your thinking is too simplistic. Cryptocurrency investments are an altogether new species. They have the potential to fall below their purchase price, but they also have the potential to soar to new heights. Surely by now we've seen Bitcoin pull this off before?

Selling cryptocurrency out of resentment when the price falls below our buying point is an irrational emotional reaction. A level-headed person would view it as a momentary setback, equivalent to a paper loss. If the market can recover from this, then what? What we've learnt from Bitcoin and Ethereum's past is that investing in cryptocurrencies may be a crazy rollercoaster ride, but ultimately rewarding.

Alpha Marine

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You have an emergency fund and times like this are the reasons you have that kind of funds. You properties you want to sell are most likely assets that can generate money for you so I wouldn't advice you to sell them except the cost of operation or maintaining it is higher than the profit it brings.
And also, it is not advisible to save your money in fiat. With the rate of inflation, your saving will lose value over time.

Quote from: _act_ on June 27, 2023, 03:35:19 AM

Are you holding fiat? Do you not know that if you are holding fiat, it is like your government are scamming you, although it is not a scam, but it is a means to lose money as your fiat money lose value and unable to buy what you can use it to buy before.

Inflation doesn't only affect his savings but it also increases the price of goods. When commodities become expensive it affects the cost of production and reduces sales in his business thereby placing him in a difficult position.
It is good advice that he should not save his money in his local currency, but I'm afraid that would not shield him from inflation.

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Quote from: salad daging on July 17, 2023, 08:48:54 AM

Quote from: Pamadar on July 16, 2023, 06:59:34 PM

Correct, once the situation got resolve you start again to save your money, for sure you learn a lesson from your experienced.

However, we need to be able to save money, learning from experience is important, and in times of economic uncertainty, the emergency fund has been set up again.

Quote from: Pamadar on July 16, 2023, 06:59:34 PM

We don't know when the emergency will come up, but with the experienced we will start to
anticipate and we will allocate a certain amount to save.

It always comes unexpectedly, so anticipating is very important, don't spend too much money the way you save and a little aside for investment then it's the best solution when there is pressure again.

Quote from: Pamadar on July 16, 2023, 06:59:34 PM

It will help to avoid using your investment or your asset as you have dedicated savings
for any emergency it will cover the needs.

As much as possible it should be able to be separated between investment and emergency funds.
Emergency fund is the first layer and Investment is the second layer to use, but if it can still be overcome by the first layer then the assets in the investment will remain safe for the long term.

The key question is how expensive the lesson is going to be. Making mistakes is usual, part of life and will provide an example of how not to do things. However you need to calibrate the cost of making that mistake and learn the lesson and know what you don't know and how bad can it get in case you miss.

Regarding inflation, the topic, getting it wrong is usually a very costly mistake that may end up with you having no home.

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Quote from: Pamadar on July 16, 2023, 06:59:34 PM

Correct, once the situation got resolve you start again to save your money, for sure you learn a lesson from your experienced.

However, we need to be able to save money, learning from experience is important, and in times of economic uncertainty, the emergency fund has been set up again.

Quote from: Pamadar on July 16, 2023, 06:59:34 PM

We don't know when the emergency will come up, but with the experienced we will start to
anticipate and we will allocate a certain amount to save.

It always comes unexpectedly, so anticipating is very important, don't spend too much money the way you save and a little aside for investment then it's the best solution when there is pressure again.

Quote from: Pamadar on July 16, 2023, 06:59:34 PM

It will help to avoid using your investment or your asset as you have dedicated savings
for any emergency it will cover the needs.

As much as possible it should be able to be separated between investment and emergency funds.
Emergency fund is the first layer and Investment is the second layer to use, but if it can still be overcome by the first layer then the assets in the investment will remain safe for the long term.

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Quote from: _act_ on June 27, 2023, 03:35:19 AM

Are you holding fiat? Do you not know that if you are holding fiat, it is like your government are scamming you, although it is not a scam, but it is a means to lose money as your fiat money lose value and unable to buy what you can use it to buy before.

Likely you have your emergency money in your local fiat too. You said emergency, which means it should be used for inconveniences time and for emergencies. You supposed to use your emergency money, not that you should sell you property that may increase in value, although I am just saying that because some properties like land, metals, jewelries and many others like that can increase in value.

It is better not to hold money in your local currency, bitcoin is still not that high, you can buy it instead. Ones the price is high very well and you have gained, you can convert some to dollar or other good foreign currency which are better than many fiat from countries like Venezuela, Lebanon, Sudan, Argentina, Zimbabwe, Turkey and many other countries.

Bro really out here defeating all the financial advisors on the planet lmao. Holding Fiat is a little out there you know, you got to be specific. For instance saving your money in the bank is considered holding fiat, and I dare say saving your money even if it's in fiat form isn't really that bad to be honest. You're also a little idk man. Your emergency funds are called emergency funds for a reason. You don't use them just cause your financial advisor asked you to invest your money on something. It's not money that is meant to be invested or be used to gain profits. It's literally there to be your safety net for when times get rough. I would much rather prefer OP using his assets as those can be reacquired anyway and who's to say he doesn't have assets that are easily recoverable? That way he doesn't have to spend his saving grace just so he can fund his investment? Cause I'd never go out there investing what's supposed to support me if shit hits the fan my guy. I'd much rather sell my other assets instead.

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Quote from: eightdots on July 17, 2023, 04:12:48 AM

Quote from: Texac on July 17, 2023, 03:24:53 AM

Quote from: AbuBhakar on July 16, 2023, 10:50:16 AM

Quote from: Texac on July 16, 2023, 10:45:18 AM

i don't understand why the OP is confused when he also has emergency funds, and that's where they come into play. Why is he not using it but thinking of selling the property? it's hard to understand. saving will always be easier than buying back any valuable property.

Simply because he still have a crypto that can be easily liquidated since this part of his investment while emergency funds is supposed to be use when you are on emergencies which you don't have pther source of money aside from that particular funds.

I will sell my crypto without a doubt If I'm on his situation since the price of crypto is very volatile and he might find is crypto assets value in very low price in bad market while he can use it not to cover for his expenses. He can always buy back into crypto anytime.

If it's a cryptocurrency such as bitcoin, then I don't think the decision to sell at this point is a wise decision. we don't know how much he bought it for, and with what's going on, almost every coin's price has dropped a lot. he will probably lose a lot if he sells in this bear season. furthermore, there is no guarantee that he will be able to buy back bitcoins at a low price, and he will need to spend more to own bitcoins if the bitcoin price rises sharply. this is an emergency, and is it right to continue not using the emergency fund?

Selling an investment or property is a method of last resort. But when I say this, I also think about this. It can be preferred if your emergency funds are not sufficient.

If you try to pay off with your investment, you may suffer a loss. The price when you buy and the price when you sell may not be the same.

Saving is easier than investing. We have to make decisions like waiting for the right time to invest or investing in the right thing. Therefore, in such cases, it would be wiser to use the funds allocated for emergencies first.

Crypto can always be bought, but why sell it below the price we bought it? As a result, we sell the emergency funds first, then our crypto if not enough, and finally our property to pay off a debt.

At the end of the day, it's all a matter of choice and if it's the last resort for us to survive, why not.
Having difficult conditions in the economy and being pressured by several factors such as inflation and the current recession that is starting to get closer then indeed when there are still reserve funds or investments why not use them.
But it is certainly the last choice because if we feel that we can still get through it then it would be great if it is not used but if the difficulty of the reserve fund is the right thing to use but if it is still not covered then the funds from the investment may still be used. rather than looking for other options such as debt it would be better to take advantage of the existing ones first to support our needs.

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Quote from: Texac on July 17, 2023, 03:24:53 AM

Quote from: AbuBhakar on July 16, 2023, 10:50:16 AM

Quote from: Texac on July 16, 2023, 10:45:18 AM

i don't understand why the OP is confused when he also has emergency funds, and that's where they come into play. Why is he not using it but thinking of selling the property? it's hard to understand. saving will always be easier than buying back any valuable property.

Simply because he still have a crypto that can be easily liquidated since this part of his investment while emergency funds is supposed to be use when you are on emergencies which you don't have pther source of money aside from that particular funds.

I will sell my crypto without a doubt If I'm on his situation since the price of crypto is very volatile and he might find is crypto assets value in very low price in bad market while he can use it not to cover for his expenses. He can always buy back into crypto anytime.

If it's a cryptocurrency such as bitcoin, then I don't think the decision to sell at this point is a wise decision. we don't know how much he bought it for, and with what's going on, almost every coin's price has dropped a lot. he will probably lose a lot if he sells in this bear season. furthermore, there is no guarantee that he will be able to buy back bitcoins at a low price, and he will need to spend more to own bitcoins if the bitcoin price rises sharply. this is an emergency, and is it right to continue not using the emergency fund?

Selling an investment or property is a method of last resort. But when I say this, I also think about this. It can be preferred if your emergency funds are not sufficient.

If you try to pay off with your investment, you may suffer a loss. The price when you buy and the price when you sell may not be the same.

Saving is easier than investing. We have to make decisions like waiting for the right time to invest or investing in the right thing. Therefore, in such cases, it would be wiser to use the funds allocated for emergencies first.

Crypto can always be bought, but why sell it below the price we bought it? As a result, we sell the emergency funds first, then our crypto if not enough, and finally our property to pay off a debt.

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Quote from: AbuBhakar on July 16, 2023, 10:50:16 AM

Quote from: Texac on July 16, 2023, 10:45:18 AM

i don't understand why the OP is confused when he also has emergency funds, and that's where they come into play. Why is he not using it but thinking of selling the property? it's hard to understand. saving will always be easier than buying back any valuable property.

Simply because he still have a crypto that can be easily liquidated since this part of his investment while emergency funds is supposed to be use when you are on emergencies which you don't have pther source of money aside from that particular funds.

I will sell my crypto without a doubt If I'm on his situation since the price of crypto is very volatile and he might find is crypto assets value in very low price in bad market while he can use it not to cover for his expenses. He can always buy back into crypto anytime.

If it's a cryptocurrency such as bitcoin, then I don't think the decision to sell at this point is a wise decision. we don't know how much he bought it for, and with what's going on, almost every coin's price has dropped a lot. he will probably lose a lot if he sells in this bear season. furthermore, there is no guarantee that he will be able to buy back bitcoins at a low price, and he will need to spend more to own bitcoins if the bitcoin price rises sharply. this is an emergency, and is it right to continue not using the emergency fund?

Topic: Should I Use Emergency funds or Sell my Assets ? - page 5. (Read 1413 times)