I learned there's a good debt too and keep our cashflow/emergency money ready. Basically, you need to have enough collateral at the bank that they can give you any money at any point in time. A lot of business owners do this but for personal finance, this isn't advisable 😂 especially when it's to fund lifestyle.

I had it happen to me a few days ago. I haven't talked to my one of my brothers for years and the moment he has my number, he asked to borrow some cash 🙃.