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Fixed income & safety

Should I keep my personal emergency fund separate from company runway?

Yes, keep them in different accounts and think of them as different money. Company runway belongs to the company and its investors, and it should fund the business, not your rent. Your personal emergency fund is yours and exists so that a bad month at the startup never becomes a bad month at home. Mixing them is how founders quietly end up personally funding payroll or, worse, dipping into the company account for personal costs, which creates a mess at audit and tax time. Draw a clean line: a personal buffer in your own name, the company's cash in the company's accounts, and a deliberate, documented salary moving from one to the other. If you ever do lend personal money to the company, paper it properly and check the treatment with a CA, since rules here change and the accounting matters.

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