I don't want you to do the same thing I did in the past so I decided to write this blog post. I invested some of my hard-earned money into mutual funds and later on, in the stock market . But you know what, I realized that kind of approach and strategy (when it comes to building wealth) is truly wrong. I read in finance blogs and heard from the speakers in seminars I attended that before anything else, we should gradually fill up our emergency or rainy funds.