“Do I Really Need an Emergency Fund?” | The Vault Episode 64

05/14/25 • 42 min

“You don’t need an emergency fund if you have a high, reliable income”. We dissect this controversial opinion then dive into your dilemmas:

💸 "Should we get quietly married before the baby comes?”

💸 ”Should I reduce my pension contributions?”

Get honest, helpful money blogs at financielle.com 💖💸

🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement.

Pension saving is made simple with PensionBee - you can combine, contribute and withdraw online or from the palm of your hand with their easy-to-use app. Their retirement planning tools - like their Pension Calculator - blogs, videos and podcast - all aim to help you take control of your pension and build a better financial future.

When investing, your capital is at risk.

Connect with our Partners

🐝 Consolidate your pensions with PensionBee (capital at risk)
🫶 Protect yourself and loved ones with our friends at Lifesearch
✍ Write a will that is tailored to you with Octopus Legacy
🏡 Meet our Financielle approved Mortgage Brokers
💸 Commission-free investing* with Trading 212 (capital at risk)
🛒 Cashback on your shopping with Jam Doughnut (use code FINC)

*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.

The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.
Visit https://www.financielle.com to download our app.
Watch the podcast on YouTube.
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About Financielle:
Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.
Recorded and Produced by Liverpool Podcast Studios
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“You don’t need an emergency fund if you have a high, reliable income”. We dissect this controversial opinion then dive into your dilemmas:

💸 "Should we get quietly married before the baby comes?”

💸 ”Should I reduce my pension contributions?”

Get honest, helpful money blogs at financielle.com 💖💸

🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement.

When investing, your capital is at risk.

Connect with our Partners

🐝 Consolidate your pensions with PensionBee (capital at risk)
🫶 Protect yourself and loved ones with our friends at Lifesearch
✍ Write a will that is tailored to you with Octopus Legacy
🏡 Meet our Financielle approved Mortgage Brokers
💸 Commission-free investing* with Trading 212 (capital at risk)
🛒 Cashback on your shopping with Jam Doughnut (use code FINC)

*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.

Previous Episode

UNLOCKED: Unhinged + feral money hacks, plus an engagement and a baby!

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Welcome to The Vault Unlocked, by Financielle.
This week's episode involves some outrageous money hacks shared by others, plus some questions focussed on big life moments!

Connect with our Partners

🐝 Consolidate your pensions with PensionBee (capital at risk)
🫶 Protect yourself and loved ones with our friends at Lifesearch
✍ Write a will that is tailored to you with Octopus Legacy
🏡 Meet our Financielle approved Mortgage Brokers
💸 Commission-free investing* with Trading 212 (capital at risk)
🛒 Cashback on your shopping with Jam Doughnut (use code FINC)

*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.

Next Episode

UNLOCKED: premium bonds, debt free journeys and we got a follow up!

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Welcome to The Vault with Financielle.
This week, Laura's talking premium bonds, debt free journeys and we had the best follow up!

Connect with our Partners

🐝 Consolidate your pensions with PensionBee (capital at risk)
🫶 Protect yourself and loved ones with our friends at Lifesearch
✍ Write a will that is tailored to you with Octopus Legacy
🏡 Meet our Financielle approved Mortgage Brokers
💸 Commission-free investing* with Trading 212 (capital at risk)
🛒 Cashback on your shopping with Jam Doughnut (use code FINC)

*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.

Visit https://www.financielle.com to download our app.
Listen to the podcast on:
▶︎ Spotify - [https://open.spotify.com/show/73mv8JnNRNqyDRQVXxcsEN]
▶︎ Apple Podcasts - [https://podcasts.apple.com/us/podcast/the-vault-with-financielle/id1732683163]
▶︎ Amazon Podcasts - https://open.spotify.com/show/73mv8JnNRNqyDRQVXxcsEN]
Follow Financielle for more:
▶︎ Facebook - [https://www.facebook.com/financielle]
▶︎ Instagram - [https://www.instagram.com/financielle/]
▶︎ LinkedIn - [https://www.linkedin.com/company/financielleuk/]
About Financielle:
Financielle is a female focussed money app helping women to take back control of their money, ditch debt, increase savings and invest in their future.