One of the things I’m still battling with on my financial journey is building an emergency savings fund with 6 months’ salary in it.

My focus thet last few years was to pay off debt and start building an investment portfolio, which I’ve done really well.

But the emergency fund?

Not going so well at all.

I don’t consider my investments in endowments and unit trusts, emergency funds. To me they're long term investments, for other things.