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@robbentley I found it useful, but I think the emergency fund at Step 3 is unnecessarily high for the NZ context, as it's almost impossible to fire a person without notice here and there's a better social safety net. Income Protection Insurance is likely to be a better option if you feel the...

@biohazardfan03 As a religious person myself, I still find him too religious, and I hate that he imposes aspects of that lifestyle on his employees. I can only imagine how ridiculous some of what he says and does seems to non-religious people