<prompt> Human: Long time lurker to this sub, but I think Ive found a plan that works for me and I wondering if this is naïve or a legit financial strategy.For the past 3 years Ive been follow a 10 emergency fund rule. Meaning that I always have 10 of my pre-tax income parked in a regular checkings account for emergencies and expenses. I use this 10 fund to pay for everything, and replenish it with every paycheck. All credit cards are paid in full, and outside of an auto loan I dont have any debt. All my monthly expenses consume 25 of that fund, but in case of an emergency I can realistically stretch it to cover 6 months of no income.As far as savings go, I am allocating 15 of my income to a 401k, and recently opened a ROTH IRA. My goal is to maintain my 15 savings rate, and maxout my IRA contribution using my 10 fund at the end of the year, then build it back up to 10. If I manage to have leftover savings in my 10 fund, I plan on opening a traditional investment account andor invest on money generating hobbies kombucha brewingcandle making or passive income opportunities crypto farming or ad network farming.What are the main downsides to this strategy? I am worried that my fund will be depleted for the first few months of the year until I can build it back to 10, but at the same time I like the simplicity of managing money this way since it always gives me a target to save. In the worse case scenario I could cashout my ROTH IRA contributions without a penalty but there is some delay which Im planning to cover with credit.  <response>: The title of this post is probably what all wait staff think 