 I don't believe so. Now, if you believe you've got to do crazy stuff like invest in risky, risky, risky investments like the stock market, then you better have some of your money separate into a non-risk environment, and that's going to be your rainy day fund. So I don't have a problem with that theory. If you're crazy enough to invest in the stock market, then you probably should have some money in what we call a safe, secure, rainy day fund. Number seven, build up your credit history.