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The Importance of An Emergency Account Dave Ramsey is harping on about the advantages of having an emergency fund. Recently, I got to see the advantages for myself. Passive Revenue Creating passive income hasn't been easy, and I can't say that I've achieved total financial independence so far, but I'm absolutely on my way there. I have not been able to totally replace my job income, but I'm making enough passive income to pay for the rent, grub and have some spending money. The hunger to develop passive income needs to be very powerful because initially it takes quite a while and a certain amount of effort to ramp up. But so long as you stick your plan, you should be able to at least supplement your salary within a small number of months.