Scrum doesn’t fix an organization’s problems. It makes problems glaringly obvious so that you they have a chance to fix them themselves. Except that “glaringly obvious” is relative and sometimes you still need someone to point to the steaming pile o’ shit of a problem and say it out loud. Sometimes to someone that has the authority to fire the messenger.
As a Scrum Master or agile coach it is part of your job to speak truth to power if necessary. And while it’s certainly a good idea to work on delivery, and phrasing hard truths in a way that make it possible for the recipient to accept and stomach them, there’s still a risk involved.
That’s why you need to have a certain level of independence. And a big part of that independence is money. How can you expose someone to an uncomfortable truth, if that person can fire you from a job you depend on? Depend on for rent, for food, for insurance. For your kid.
It’s a whole lot easier to “have guts” if you have an emergency fund, e.g. 3 to 6 months of living expanses in cash in a bank account. How many months you need depends on how fast you think you can land another job. Ultimately it depends on what you need to feel secure. My need for financial security is high, so we’ve got 12 months. This is just living expenses, not fancy vacations. Not that it’s necessary at my workplace but it’s still a very comforting feeling and helps me not be afraid to say what I think needs saying.
If you don’t have an emergency fund, why not start now? If you can’t save big chunks, chip away at it. Small contributions will also help. Having some money in the bank will make you more effective in you job. And it’ll let you sleep better at night.