Life is full of unexpected events, decisions and problems. This reality means that opportunities, losses, achievement hurdles and reappraisal of possibilities are going to require expenditures of funds in order to you to continue to meet your goals and aspirations. While one cannot ever know for certain the future problems and opportunities that one will encounter, financially experienced advisors can provide guidance about how much reserve cash funds are appropriate for people in various phases of life.  These phases of life have probabilities of various issues arising such as home purchase, health issues, car repair or replacement, education costs, or life commitments. Each of these has both known and unknown aspects of timing, amounts, and subsequent alternatives. Having an appropriate cash reserve that is accessible in a timely manner helps relieves the stress and anxiety of insufficient resource access.