Thanks/Merci Wolv!
Now that you mention it… I might be in an awkward position. I’m restarting my FIRE journey while having 2 dependents.
As I’m restarting, I might leave the emerg. funds in stocks until I have 90% (27k chf) in stocks and 10% (3k chf) in cash.
Speaking about independents… i might take the general consensus from here that i should cash-out 3a insurance and buy an actual life insurance instead (200k value).
https://forum.mustachianpost.com/t/pillar-3a-insurance-how-to-cancel-without-losing-everything/889/56?u=alex_adc