Only Invest What You Can Lose

Which money belongs in the "attic" of the money house?

• Money saved for a bill due in two months
• Your emergency buffer, since you hope never to use it
• Money left over after essentials, the buffer and savings goals are covered

An amount passes the zero test. What does that tell you?

• It is the most you could put in without a loss changing your life, not an amount you must put in
• It is the amount you should invest
• It is safe because the price is unlikely to fall