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Anthony Penree
Financial Advisor
LTM Marketing Solutions, LLC
1060 Broadway #1161
Albany, NY 12204
Phone: 518-870-1081
Email: apenree@ltmclientmarketing.com
Website: ltmclientmarketing.com
July/August 2025
Prepare for Almost Anything
Even the most prepared people can't predict when an expensive surprise will come their way or how much it will cost. You can, however, prepare financially for the unexpected by creating an emergency fund to help meet surprise expenses.
Financial Emergencies
We have all experienced the shock of a big expense. For example:• The car won't start and you learn it needs $800 worth of work.
• The furnace breaks down and you have to choose between a $5,000 replacement or a cold winter.
• Your company is struggling financially, and you find yourself in the unemployment line.
Unanticipated surprises like these can affect your budget in varying ways. An emergency fund may help you get through the rough spots.
Funding the Fund
There are two basic ways to accumulate an emergency fund:- Deposit any financial windfall into the fund. If you receive a bonus from your employer, an unexpected commission or a tax refund, sock it away in the emergency fund. You won't miss what you didn't have before.
- In lieu of a windfall, find a little bit of money to save regularly and put it away. Aim for three to six months of expenses as a target. This discipline can help you build your emergency fund sooner than you might think.
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