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Most people buy their vehicles backward—choosing a car first and then figuring out financing, often leading to overspending. Getting pre-approved or pre-qualified before shopping helps set a firm budget, strengthens negotiation power, and avoids dealer markups or up-sells.

Building an emergency savings fund is one of the smartest financial moves you can make. No matter your financial goals, creating a solid emergency fund should always come first.

Having an emergency fund is a smart move for your financial future. But how do you make sure you're using it correctly when life throws you a curveball?