 Sure, you won't always need it, but when you do, you'll be glad it's there. And plus, who wants to walk around with soggy socks, right? So, you know, that's the first thing. Make sure you have the emergency fund. Investing regularly is just like scheduling regular roof inspections. And while that might seem tedious now, you will be thankful when your roof or retirement fund is not collapsing into your lap.