It’s the same in personal finance. At school we are not taught the correct savings techniques, and therefore we are tossed from side to side. Then we put away half of our salary, then we have to climb into their own savings, if suddenly the equipment “flew” or there were other unexpected expenses.
That is why you should start with a financial safety cushion, then create an insurance fund, and only after that think about other aspects of personal finance such as investing or large financial goals.