text: arre,mujhe toh lagta hai ki emergency funds banana sabse pehle zaroori hai, par mere cousins sirf high returns ki baatein karte hain, tumhara kya opinion hai?emergency fund toh sabse zaroori hai, bina uske investment risky ho jata hai, unhe yeh samjhana padega ki financial security pehle, phir growth ki baat karni chahiye.