Having a 6-month emergency fund will fundamentally change one's confidence and sense of options, enabling them to leave undesirable situations like toxic jobs or bad relationships.
"So having 6 months in the bank, permanent wealth to your name, that is never going anywhere, that is going to absolutely change the way you show up in the world. You're going to be more confident. You're going to feel like you have options. don't have to stay at a toxic job or stay in a bad relationship just because of money."