@Eric *******

so you are telling me you have that kind of investment and earnings and don’t even have the equivalent of 1% of the investment or 10% of your yearly salary in an emergency fund incase something happens?

I refer back to my initial comment

@Eric *******

You make $20k a month and it all goes on debt, and you have no savings? You have money management issues.

@Tim **********

not real logic because you fail to recognise when selling assets let’s say 500k of shares you could be up 10x then could have a big tax liability that could see half of that owned.

Stocks and shares have never been considered liquid cash, because they are an asset. It’s a strange thing to suggest or even think.

Cash means money you can access immediately, like withdrawing from a bank or ATM.

Savings are not the same either. They can be locked for a fixed period and not instantly available.

Shares are assets, not cash. Just because you have 500,000 baht in shares doesn’t mean you actually have 500,000 baht in hand. They can fluctuate in value and may be subject to taxes.

The 500,000 baht requirement refers to actual money in your bank account. This isn’t rocket science. It’s easy to understand why that’s the rule and why other forms like shares or locked savings aren’t accepted.