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The apartment build has moved from “life support” to a stable, workable stage, freeing the author to focus on other tasks. They also question whether funding the project by draining their emergency fund—rather than taking out a loan—was a mistake.
Would you rather preserve your emergency fund and use a loan for a big project, or pay cash to avoid interest? What factors (risk tolerance, interest rates, income stability) would drive your choice?
Day 684 – Did We Mess Up? Apartment Build | Part 7
Progress rolls on with the apartment build and I’m finally at a point where the apartment is no longer on life support and is in stable condition. I can switch my focus to other tasks. But did we make a big mistake draining our emergency fund instead of pursuing a loan?
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