On 18-Sep-2016, at 11:28 PM, Sandhya aka Sandy <sandhya.varn...@gmail.com> 
wrote:
> 
> of how to steadily build it up over the years. I was wondering what you
> meant by buffers in your statement:

Things can become more expensive, your money needs may suddenly change (medical 
expense, fee increase at your kid's school, you drop your phone and end up 
needing to buy another one..) so keeping such sudden needs factored into any 
budgetary calculation that you make is essential.

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