t harv eker review | steve harvey how to make a million dollars

Talk to me GREATS.  Did you enjoy this episode?  What was the biggest take away for you?  What hit you in the gut and made you realize you weren’t doing something you should be doing?  Or, what was the simple thing I talked about that you already knew you should be doing but aren’t yet?  Share with me how you’re feeling in the comments section below.
Remember, don’t start out trying to figure out how to make one million dollars from your YouTube channel. Instead figure out how to make your first $100, then your first $1,000, etc. Build your “profit ladder” one step at a time, all the way to a million dollars.
“Our Facebook group is not just a group, it’s a community and we have organically grown it to over 20,000 members in a little over a year. I help promote other people, we celebrate other women often, and truly practice collaboration over competition. I think that I have grown such a strong following not only because I create good, logical, content, but I have created a trusted brand that is uplifting, but also fun.” – Dana Malstaff
3. The four-term President of the N.Y.S.E., Richard Whitney, was a poor manager of his financial affairs, fell into great debt, and in turning to embezzling, well only served 3-years in jail (in law, like everything else, you get what you pay for).
Module 4: How to Generate Million Dollar Ideas Every 60 Seconds – This involves thinking big – and often outside your comfort zone.  But even if this makes you feel uneasy right now, Million Dollar Business Secrets shows you how this is a truly learnable skill, allowing you to uncover previously un-thought of opportunities with huge money making potential.
The people who saw the potential in Bitcoin invested very early on in the life of that currency, made their money, and moved on to the next opportunity. They weren’t like everyone else trying to invest when Bitcoin hit US$5,000 or $10,000.
Rule #5. Blogging is not about money. Blogging is about trust. You don’t sell ads on your blog (rarely), you don’t get the big book deal (rarely), but you do build trust and this leads to opportunities. My own blog has made me a total of zero cents but has created millions in opportunities. In Bryan’s case it led to more inflow and his biggest early opportunity.
The challenge with discovering a successful strategy, is that it’s often hidden. We can see the tactics successful business owners use, because they are visible. However, discovering the strategies behind those tactics takes a lot more detective work. Fortunately, many of the world’s most successful business owners have written books on how they did it. Others are often interviewed, allowing us insights into the strategies they use or have used.
Yet another great episode. Kudos to you Lewis!   I really liked your explanation about the importance of learning to sale.  I used to explain to my team that Sales is less about being “salesy”  and more about 1. providing and building value 2. Educating and of course 3. Asking for the order.  At the end of the day, we all just want to have enough information to make an informed decision on whether something makes sense for us to purchase at that time.  ¡Viva España!
The ICO market isn’t heavily regulated right now, so it’s a little bit of a digital Wild West. But this means there’s the potential for earning absolutely ridiculous returns. You might only hit a home run with 1-in-3 of your ICO investments, so there is risk involved. But possibile returns of up to 700% means the risk can be more than worth it.
The world’s most successful people are intense learners. They are hard readers. They know that what they know determines how well they see the world. They know that what they know determines the quality of relationships they can have and the quality of work they can do.
gupta4sunil gullfam hi my name is Harold and id like to barrow 1million dollars to invest into a compony I will pay bake within 5 years garenteed thankyou my friend my ph # is 1-907-795-3123 email is [email protected] or [email protected] I’m into the mobe project if you reply back I will tell you about it iff you don’t know & thank you iv lived in Alaska for 35 year I have 5 kids that I need to take care of so a plane to become very rich for my kids and me . I have a lot of thoughts and plans thank you your friend harold
So  I called Bryan Johnson, who started a company called Braintree. You might not have heard of Braintree but you’ve heard of their customers. They provide credit card transactions or payment services for companies like  OpenTable, Uber, Airbnb, etc.
Not Harv. He offers a unique form of hard-hitting coaching – and as a Million Dollar Business Secrets student, you’ll get a dose of his “tough love” on this 90-minute group coaching call. Use the time to ask him your biggest question or get advice on your top challenge … or sit back and learn from others’ experience in the hot seat.
– If I could do it all over again I’d just build a list without a site.  So many people are concerned with creating a site that they forget the most important thing is building a list.  Even when people do have their site up and running they forget to have a place for people to opt in.  The site almost becomes pointless when this happens.
Attracting a great team of people who work “virtually” on a contract basis can help you to expand the reach of your company without the high overhead that comes with running a corporate headquarters staffed with full timers.
Truly, it is not a business for the rookies, but for those who have cut their teeth and tried their hands on low risk and small investment options. In case you weren’t told, establishing a venture capital firm is akin to exposing yourself to risk. As a venture capitalist, you are expected to use investors’ money to fund entrepreneurs and their ideas.
I’ve never spoken with Bryan before. I am not an investor in Braintree. As far as I know I’m not even an investor (unfortunately) in any of the clients of Braintree. I like to call people who I think have interesting stories and hear what they have to say. That’s the way I build my network of not only financial contacts but potential friends. I’m shy and ugly and don’t have many friends.
An extra and practical way that an aspiring entrepreneur can legally make a million US dollars in one year from the scratch is to start an advertising and branding company. The innovation in the advertising and branding industry is evolving and new windows for both conventional and unconventional style of advertising are opening up. Advertisers will do all they can to catch up with their target market. If you are lucky to consistently execute good advertising and branding deals, you are likely going to make a million US dollars in one year.
For example: My wife is a very good Amazon customer and spends several thousand there every year. We have deliveries from Amazon every week, often 2 or 3 times. Do you have any idea how big a problem it would be for Amazon, if my wife stopped shopping with them? None. Zilch. Zero. That’s because Amazon has a massive number of customers. They can afford, literally, to lose 50,000 people who spend just as much as my wife, without breaking a sweat.
The long-term average annual return of the U.S. stock market is about 10 percent per year. Using a handy statistical tool known as the “Rule of 72,” you can calculate that a 10 percent annual return will double your investment just about every 7.2 years. So, can this power of compounding returns turn $500 into $1 million? If you’ve got the time, it certainly can.
Earn money, spend less than you earn, save, invest, repeat the process. Embrace the Millionaire Mindset. After that it’s just a matter of time. Even if it takes years or decades, the process really is that simple. Of course, it may not seem as easy as I laid it out here, but it really is. Remember, this is not an overnight get rich quick scheme. It takes time, planning, and a little luck along the way.
Although forex trading is highly risky, it is one of the easiest means of making a million US dollars in one year from the scratch. The truth is that, if you are able to effectively learn how to trade forex perhaps from dummy trading platforms, you can start trading with minimal cash and build it to a million US dollars in less than a year if you are careful and tactical in your trading approach. So if you are looking towards legally making a million US dollars in one year, then one of your best options is to learn how to trade forex.
Everyone wants to be a millionaire but today nobody wants to work at it. This is the age of “pass the blame” for all your problems. Becoming a millionaire is going to take more than just savings and luck, you’re gonna need a good support system behind you to keep you focused nowadays and maybe a friend named warren buffett won’t hurt.
Rental income is the easier choice to make here if you just want passive income. The issue is that making a million dollars from rental income would involve buying multiple properties. You’d have to scale to a level that requires you to hire people to manage your properties. The more people you hire, the less positive cash flow you have each month. You could quite easily create a full-time job for yourself, without ever meaning to.
Want to become a millionaire? Making it happen in the next five years doesn’t have to be a fantasy. That’s the view of Steve Siebold, 50, author of How Rich People Think. Siebold, a self-made millionaire who consults for corporate sales teams and gives speeches across the country, says that in fact, people over 50 have the advantage when it comes to getting rich. That’s right: 50 is the new 40.
That kind of treatment puts people in a defensive crouch and they start subconsciously checking part of their self-image at the door before they go into work. And it means that if they have an out-of-the-box idea for the team, they may think twice before sharing it, out of fear it will be dismissed. In this kind of environment, innovation is hard, if not impossible.
A 401k is a powerful retirement account offered to you by your employer. With each pay period, you put a portion of your pre-tax paycheck into the account. That means you’re able to invest more money into a 401k than you would a regular investment account.
Rule No. 4: Build Trust While You Sleep. This rule is often “Make Money While You Sleep.” But Bryan already was making money while he slept. He was making money on every credit card purchase with his first 10 customers.
*IMPORTANT: If you don’t receive your Welcome Email in the next 10 minutes, please check your SPAM or JUNK folder for this email. If you still don’t receive your Welcome Email or find it in your junk/spam folder, feel free to reach out to our awesome client care team so they can assist you. Thank you!
I’m 27 years old, I am married to a doctor in residency, just bought our first condo in boston have a roth account a 401k some precios metals. I want to be doing so much more but kind of stuck not knowing what to do next. We are working on paying off debt from my wife’s med school and the condo. Does anyone have any advice? I have a finnacial advisor also and he just tells me to keep investing! I need more direction then that! I’m 27 there’s a lot to learn still…. I’m currently working on making more money at my job just have to wait for the big promotion. Please help?? Thanks guys
Step one. Figure out an area that is “hot”. For instance, Facebook marketing is inning one. Better tests  for personalized diagnostics of age-related diseases is in inning one. Understanding the root causes of depression is in inning one. Combining mobile with social is in inning one. Self-publishing your book and marketing it is in inning one.  There are probably 30 more areas I’m neglecting to mention. Maybe 100. Or 1000. Start listing them today.
Get started. If you want to become a millionaire, you need to decide to do it and get started. If you are not be able to save money right now because of debt or other financial obligations, you should work on those issues first. A good place to start is with Dave Ramsey’s Baby Steps. This is a tried and true method for setting up an emergency fund, paying down debt, and beginning your investments. Once you have that started, you can begin your million dollar journey.
I truly believe that if you want to attain the status of being a millionaire, one must make the necessary adjustments in life. The status of being a millionaire entails a lot of sacrifices but what is more realistic is that it is achievable and doable. More than anything else, be a millionaire for it takes to be one – frugal, investment conscious, earning more than what you spend, paying yourself first, diversifying your investments by not putting all your eggs in one basket alone, intuitive, resourcefull, sound knowledge in financial language and accounts, passionate, loves what you are doing, charitable, innovative, seizing initiatives in the market plays, delaying instant gratification and always never sacrificing the needs of your family in terms of financial needs and matters.
Not only has he netted over 400 million bucks in revenue, become a millionaire in a record breaking short amount of time, and found and sold one of the largest personal success training companies in the world, but he’s helped shape the lives and business fortunes of over 1.5 million students in 36 countries around the globe.
Not only that, but when you think about your 10X goal, you’ll probably have ideas that scare you. When you do work that scares you, you cross a boundary that most people never cross. Scary work is often highly profitable and valuable work.
If you want to do something extremely well, you need to surround yourself with the right mentors. Anything that you’ll ever do well will be the result of high quality mentoring. If you suck at something, it’s because you haven’t received quality mentoring in that thing.
Folks, don’t confuse simple with easy. The principle of ‘spend less than you earn’ is indeed simple. But, like many other things, it isn’t easy; our current media inundation with advertising which begs, cajoles, pleads, ridicules, and browbeats us to spend, spend, spend makes it especially difficult to exercise the self-discipline required to abide by the principle.
Another practical way that an aspiring entrepreneur can legally make a million US dollar in one year from the scratch is to open a filling station. Just ensure that your filling station / chains of filling stations are well located in a busy road so as to steadily attract customers 24 hours in day. With that you can be certain that you will make a million US dollars if your business projections are right and all other business factors work in your favor.

Thank you for the reminder to just get started. I was sitting here worry about a rebrand and a ton of tiny details. I needed a kick-in-the-pants to get back to writing and adding value. Your podcast was very inspiring!
“When I first started, for each new customer we’d put together an entire package for our credit card processor on why we thought the customer could be trusted and would be a legitimate merchant.” Which leads to…
If you try to appeal to everyone, your message, marketing, and products will be terrible. You won’t be clear on your why, and neither will anyone else. Thus, you’ll be average like everyone else and your work won’t stand out.
Last but not least, another concrete way to make a million US dollars in one year from the scratch is to start a property makeover and sale business. If you want to increase the market value of your property, then you should hire the services of a property makeover company.
Probably the ultimate speculative path to $1 million is via buying lottery tickets. While you’re far more likely to be hit by lightning than to win the lottery — National Geographic pegs the odds of winning the $1 million Mega Millions second-prize at 1 in 18.5 million — a small investment in a winning lottery ticket could easily push you over the magical $1 million mark. Of course, nothing is impossible. One Canadian man was both hit by lightning and won $1 million in the lottery.

million dollar business secrets | how to make a million dollars and not pay taxes

“Ask more questions, always. Assess whether “the one method” people are telling you is the only way to go, even makes sense for you and your topic or audience. I’ve found more engaged audience members and more sales waiting on the other side of ignoring traditional advice and focusing on key questions about what my audience needs than through re-creating systems that others have used. Ask more questions, always. Does it apply to you? How can you use it without the elements of it that you don’t like? What would utterly surprise your audience at this point? If you’re asking yourself “Should I do webinars or a 10-day challenge to promote my course?”, ask instead, “In a world where webinars/challenges don’t exist, how would I ideally help people and share my product with them?” – Regina Anaejionu
“The course exceeded my expectations. I thought I knew what I needed to work on to get my business started, but I learned I had a lot more I wasn’t factoring in. And yet I also got enough concrete how-to’s to keep from becoming overwhelmed. I truly believe this information will move me back into action so I can kiss my corporate job goodbye.”
Bill Gates makes a million dollars within a minute or two but for all the remaining ordinary people like us have to hustle hard and worked super hard to make that money. Although it’s not at all easy to make a million dollars even if you work hard but it’s completely doable when it comes to building a profitable business online.
Setting up a business and running it successfully is something that many people dream about. They do work hard and put all their efforts in it. While a few get success, the rest somehow end up with their dream remaining as a dream only. They are left thinking
According to what I read it is much easier than ever before to become a millionaire nowadays. There are more millionaires now than it’s been. And this is mostly attributed to the home values in the past years. Home equities and rising appreciation of real estate makes it possible to a lot of Americans to be considered millionaires. However, the past two years the real estate market has been hit hard, home values have depreciated back into the 2003 level.
Unless you are born into riches, inherit wealth, or strike it rich in the lottery, you need to earn money. And as this 78 year old man proves, you don’t need to earn a lot of money to become wealthy; it’s what you do with that money that matters. If you want to increase your odds of becoming a millionaire, then look at some of these methods of making extra money. Just adding a few of these ideas to your lifestyle can increase your wealth. Check out a quick way to make an extra $250 free money just by opening up a new account with Chase Checking, you have to start somewhere!
Beyond every reasonable doubt, one of the most profitable, creative and interesting aspect of the real estate industry is property development. As a matter of fact, developers are a major player when it comes to determining the prices of properties. Although this type of business venture can be risky, but in other to make it big in the industry as a property developer, you just have to take calculated risks. So if you are looking for a practical way to make a million US dollars in one year, then one of your options is to start a property development company.
Firstly, that’s a lot of money! Secondly, most people that ask these kinds of questions do not have the work ethic or the consistency to go the full 9 yards. I could tell you, but the question is: Are you going to implement the steps necessary to achieve the end result?
Twitter: Gray area. Twitter lists affiliate links under spam in their rules. However, I’ve seen it happen from time to time, mostly with some sort of disclaimer stating it’s an affiliate link. But then again, try convincing someone to make a purchase in 140 characters; not your best option.
Getting rich is not a complex process. You don’t even have to be a genius, Siebold says. It’s about creating a value proposition, and the bigger value you create for your customer, company or individual, the richer you get.
A while back, I created a video all about negotiating your debt. Don’t be thrown off by how old it is or how I filmed it using a potato. The advice can still help you expertly negotiate with credit card companies.
I am from U.S.A, I was diagnosed of hiv disease (Lou Gehrig’s disease) in 2011 and I have tried all I can to get cured but all to no avail, my life was gradually coming to an end, until i saw a post in a health forum about a herbal doctor from Africa call DR RAZAC ABU who prepares herbal cure to cure hiv/ and all kind of diseases including HIV, MND, Epilepsy, Leukemia, Asthma, Cancer, Gonorrhea etc, at first i doubted if it was real but decided to give it a try, when i contact this herbal doctor via his email, he prepared an hiv herbal portion and sent it to me via courier service, when i received this herbal portion, he gave me step by step instructions on how to apply it, when i applied it as instructed, i was cured of this deadly disease within 7 days, I could not walk or talk understandably before but after i took the herbal cure as he instructed i regained strength in my bones and i could talk properly unlike before, I am now free from the deadly disease, all thanks to Dr Razac Abu. Contact this great herbal doctor via his email [email protected] or you can call his cell phone on +2351839020
You’ll learn how to build a long term sustainable business in any field within 3 years or less. I’ve tried the course for about 2 weeks, and obviously I am not yet a millionaire but I am certainly ahead of where I was previously. I now earn 10% more than I used to and with a time span of 2 weeks, I think that’s pretty damn good.*
I received a call from a company in March of 2003 here in Brazil from one of the owners of the company that wanted to import from China but could not speak English. I started to help him import Chemicals for his company which when I started to work for him was worth USD2 million. Today 7 years later I am worth with savings and assets around USD800,000 and pushing towards my first Million.
“My husband and I were really good about saving money,” Shannon says. “We created a six-month emergency fund that allowed us to take a small step back financially when I quit my job. But because we saved early, it gave us a lot of freedom to invest and earn.”
Module 2: The Secrets of Effective Negotiations – Negotiating successfully is critical for your business.  And sadly, most business owners fall down on this point.  Discover the secrets of street-smart negotiations that will both save and make you mucho bucks.  Not only learn what you should do, but get down with exactly what you SHOULDN’T do, and why such tactics sabotage your success levels.
But you also need to know where your money is going. I recommend using some form of money tracking software to give you an idea of where your money is going. There are a number of excellent free online money management tools which make it easy to see your income, expenses, and spending patterns in one place. My favorite is a free money management tool called Personal Capital which helps you track income, spending, and your investments.
So when is the right time to buy Million Dollar Business Secrets, if ever? First you really have to think about whether it’s something you can invest your money and time in. Keep in mind that any investment is risky and you can lose your money, regardless of what the advertising is promising you. Always try to see through hype.
Each click or view is only worth maybe a few cents, but it all adds up over time. Some of the biggest YouTube celebrities out there have several billion views of their videos. This then results in hundreds of thousands, or even millions of dollars, in ad revenue paid to them each year.
The goal is to help you make money fast … to jumpstart your business and get out of the gate quickly. Just like a body in motion tends to stay in motion … a business that’s growing its profits rapidly tends to dominate its industry.
Some e-commerce businesses can be more hands-on, especially if you’re creating and selling your own products online. That business model means dealing with customer service queries, shipping queries, and a lot more hand-holding than you might like. In fact, it can get so bad that you wind up hating the business you’re running
Start today. Get yourself educated. Create a vehicle, or several vehicles, where you put at least 10% of your income. Eventually, your investment vehicle may even start producing more profits for you than your actual business.
I read that article, too. As much as I like to be an optimist, I must admit that I don’t think I’ll ever be a millionaire. I think I can do better with my finances and build a more secure future. But, I don’t think I’ll have a million or more unless I get really lucky and hit the lotter!
You wouldn’t try to drive from New York to Los Angeles without a road map. Why would you try to grow your savings from zero to $1 million without a plan? Unfortunately, hoping for the best is not a good way to make it to $1 million. Start your plan to become a millionaire by deciding on a timetable. Once you have a timetable, calculate how much you will need to save per year, per month, or even per week. Investing $500 per week at an 8 percent return gets you to $1.03 million in 35 years.
Bryan found ten customers (out of the first 12 he approached) who would switch their credit card processing to him. He figured he needed to make $2100 a month to quit his job. With his first ten customers he was making $6,200 a month, so he had a cushion in case some dropped away. He quit his job and suddenly he was in business.
Hi there, Nathan here of Source Digest. I started my first online business in June of 2017 and I stumbled upon a secret source where anyone could make quick affiliate sales without even having a Website and a List. Visit my secret source and start making $100+ as fast as TODAY!
Another practical way to make a million US dollars in one year from the scratch is to become a franchise consultant / broker. Becoming a consultant in any field in life is all about being well grounded in that area. If you are good with research and you have got sound business skills, you can become a consultant in any field of your choice.
Joshua: Real estate is definitely an avenue to becoming a millionaire. I only have a primary residence at the moment, but I think that may change later in life. The beauty of real estate is cash flow, whereas stocks and other equities don’t produce much cash flow outside of dividends (at most 3-5%). Good luck with your endeavors.
Car dealership business is yet another practical ways that an aspiring entrepreneur can successfully make a million US dollars in one year from the scratch. This is how it works, if you are able to establish a car dealership business in an area that enjoys high patronage or you are able to seal a deal to supply a company trucks, buses or cars, you can successfully make a million US dollars from the deal without much stress. Besides if you consistently sell your cars, whether offline or via online car dealership store you are likely going to make at least a million US dollars especially if you deal in luxury cars et al.

There are so many people who became millionaires and even billionaires by using the power of Internet and social media. The key here is to focus on long term results instead of focusing on making money by trading your hours.
Now let’s assume you start saving $5,500 a year, or roughly $458 a month, early on — say, at age 27 — and you continue doing so until age 67, which is what the Social Security Administration considers full retirement age for anyone born in 1960 or later. Let’s also assume that you invest that money and take in an average annual 8% return over 40 years. Because IRAs offer tax-deferred growth, you won’t pay taxes on your earnings until you reach retirement, which means you get to reinvest your total gains year after year. So if we take that $458 monthly investment and apply it to a 40-year term, we arrive at a grand total of $1.4 million, and it’s all possible thanks to the power of compounding.
Decide on your exit strategy. The simplest way to make $1 million is to create a business, an asset that you can sell. People will often pay two times the annual earnings for a business. That means a $500,000 a year business can be sold for $1 million. That beaks down to having a business that makes roughly $40,000 per month.
If you don’t think you’re a numbers person, it’ll be difficult for you to be a truly successful entrepreneur. If you’re not qualified to keep your company’s books yourself (and you should have an accounting background to do so if you expect any significant growth), you need to understand at least the very basics of accounting so that you can make a good hire of someone more adept to take on that work.
“It’s easier to get rich at 50, even 60 or 70, than it is to get rich at 30,” Siebold says. “There’s no question of that in my mind. Older people have the life experience that a kid just doesn’t have. Maybe [younger people] know more about technology, but we lived longer and know the ups and downs of life. In creating a fortune or financial independence, there are going to be ups and downs. Older people have a great, great advantage to get wealthier way faster. And it’s so ripe for the taking.”
The long-term average annual return of the U.S. stock market is about 10 percent per year. Using a handy statistical tool known as the “Rule of 72,” you can calculate that a 10 percent annual return will double your investment just about every 7.2 years. So, can this power of compounding returns turn $500 into $1 million? If you’ve got the time, it certainly can.
“If there’s a conflict and you need to resolve it, you cannot really do it in an email because people don’t know tone,” said Nancy Aossey, chief executive of the nonprofit International Medical Corps. “They don’t know expression. Even if they like you and they know you, they might not know if you were irritated or joking in an email.”
Starting a biodiesel production company is yet another practical way through which an aspiring entrepreneur can legally make a million US dollars in one year from the scratch. As a matter of fact, in recent time, especially in the United States, the awareness and use of biodiesel is rapidly increasing simple because it has been proven to be environmentally friendly and efficient when used in any machine that runs on diesel.
Thousands of investors lost everything during the property crash of 2008. However, most of that came about as a result of sub-prime mortgage lenders selling homes to people who couldn’t afford them. It was financial suicide for everyone involved.
The fact still remains that the return on investment is overwhelmingly encouraging especially when you invest rightly and as a matter of fact the fortune of a company can dramatically turn around within a 12 calendar year and that can translate into million dollars in profit.
Harv and his team want you to feel confident about this program so they are even allowing you to take 30 days to go through the entire program and if you don’t 100% agree that Million Dollar Business Secrets delivers strategies that would enable you to earn a millio…n dollars in 3 years or less…they’ll refund you every penny of your investment.
Adam Bryant is managing director of Merryck & Co., a leadership development and executive mentoring firm. An 18-year veteran of The New York Times, he created the Corner Office interview series and spoke to 525 chief executives about how they lead. He is also the author of two books, including “Quick and Nimble: Lessons from Leading CEOs on How to Create a Culture of Innovation.”
So  I called Bryan Johnson, who started a company called Braintree. You might not have heard of Braintree but you’ve heard of their customers. They provide credit card transactions or payment services for companies like  OpenTable, Uber, Airbnb, etc.
The best mentorships are the ones where you pay your mentor. Often, the more you pay the better, because you’ll take the relationship far more seriously. You won’t solely be taking in that relationship. You won’t purely be a consumer. Instead, you’ll be invested, and as such, you’ll listen more carefully. You’ll care more. You’ll be more thoughtful and engaged. There will be higher consequences for not succeeding.
You should also start an account exclusively for your emergency savings fund. Most banks allow you to create a sub-savings account along with your normal savings account. (You can even name them too!) So create one for your emergency fund.