Long-term opportunity cost - emergency fund before starting investing vs. combination of investing and saving simultaneo

For a young investor with no debt, no kids, no wife, how do you generally think about prioritizing an emergency fund versus continuing to invest? For example, suppose someone needs around 9–12 months to build a 3-month emergency fund if they temporarily reduce investing substantially. Alternatively, they could split their savings between investments and cash, but the emergency fund would take considerably longer to complete. Over a 35-year investment horizon, is the opportunity cost of temporari

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