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InvestTalk

Why You Shouldn’t Invest Your Emergency Fund

InvestTalk

Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors

Business, Business News, News Commentary, Investing, Entrepreneurship, News

4.31.5K Ratings

🗓️ 7 August 2025

⏱️ 51 minutes

🧾️ Download transcript

Summary

Investing your emergency fund may promise higher returns, but it puts essential savings at risk of loss and delayed access. 

Today's Stocks & Topics: IYH - iShares U.S. Healthcare ETF, Market Wrap, V - Visa Inc., Why You Shouldn’t Invest Your Emergency Fund, SCHW - Charles Schwab Corp, PYPL - PayPal Holdings Inc., Corporate Profits, SFM - Sprouts Farmers Market Inc., BBY - Best Buy Co. Inc., UPS - United Parcel Service, Inc., Investor Biases.



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Transcript

Click on a timestamp to play from that location

0:00.0

On radio, on YouTube, streaming live on invest talk.com, and for our podcast subscribers, this is InvestTalk. Incependent thinking, shared success.

0:17.8

InvestTalk is made possible by KPP Financial, a registered investment advisor firm, serving clients throughout the United States.

0:27.2

Here is KPP Financial Chief Executive Officer, Financial Advisor, Justin Klein.

0:36.2

Good afternoon, fellow investors, and welcome back to InvestTalk.

0:40.1

This is our Wednesday, August 6th, 2025 edition.

0:44.6

And here we are in August.

0:46.6

It's been a choppy couple of weeks.

0:48.8

Labor Day is just about four weeks away.

0:53.3

Summer's moving fast.

0:55.1

And we are getting into the late innings of this economic expansion.

1:02.1

Something that's starting to focus a bit more on is where are we?

1:07.9

Where are we in the growth cycle?

1:10.2

And where are the potential road bumps ahead?

1:14.9

That's always a challenge to find the right time. But you can kind of understand how the economic

1:20.6

cycle works and make smart risk versus reward decisions. Right now, the risk versus reward tends to be

1:27.3

lean on reward. But we now, the risk versus reward tends to be lean on reward.

1:29.2

But we know that the tide will turn. Tide always turns. And we'll get to some of that more

1:36.2

depth later in the episode. But really, this hour is not just about that economic cycle, but

1:43.6

about you and your questions, your concerns.

1:47.1

And that's what we are here to address today.

1:51.2

And every day in a best talk.

1:53.2

So your calls are a number one.

...

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