This week Frankie Tortora and Steve Folland have a chat in response to a question from freelance writer and educator Fiona Tapp. She says:“I live in Canada and yesterday I slipped on the ice walking back from school and hurt every single bone and muscle in my body.I am not seriously hurt but I am sore and don’t want to work because it would interrupt my self pitying calls to my mum, copious biscuit eating and catching up on every single episode of Scott and Bailey on Netflix.My question is — to protect against times like these or even more serious periods of not working, how much money should a freelancer have saved for emergencies and how do you start a fund that you don’t pilfer from when you fancy a holiday or whatnot?”What would your advice be? Let us know your thoughts using #DIFTKpodcast on Twitter and Instagram, and join in the conversation via the DIFTK Community on Facebook.•••This episode is supported by Nutmeg.Nutmeg launched in September 2012 as the first online wealth manager in the UK with a promise to open up the previously exclusive world of wealth management. Nutmeg offers customers a high-quality investment service at a reduced cost, whether they have £500 or £5 million to invest. Nutmeg now manages over £2bn on behalf of over 80,000 customers, making Nutmeg one of the UK’s fastest growing wealth managers and the fifth largest wealth manager in the UK by customer numbers (Source: PAM Asset Management, January 2019). www.nutmeg.com[Risk warning: Capital at risk. JISA rules apply]•••Fiona Tapp's websiteFrankie Tortora's websiteSteve Folland's websiteSteve's podcast - Being FreelanceDoing It For The Kids websiteDIFTK Facebook CommunityDIFTK InstagramDIFTK TwitterSupport DIFTK on Ko-Fi