text: 'Jab bhi hum ghar ka kaam karte hain, kuch unexpected expenses hamesha aate hain. Is baar kya hum ek emergency fund set kar sakte hain?''Mujhe lagta hai hum sab kuch khud karne ki koshish kar rahe hain, jo thoda risky hai. Kya hum ek balance nahi bana sakte, thoda professional aur thoda DIY?'