diff --git a/apps/api/src/models/rules/account-cluster-risk/current-investment.ts b/apps/api/src/models/rules/account-cluster-risk/current-investment.ts
index e25bb2f08..13680270e 100644
--- a/apps/api/src/models/rules/account-cluster-risk/current-investment.ts
+++ b/apps/api/src/models/rules/account-cluster-risk/current-investment.ts
@@ -76,11 +76,11 @@ export class AccountClusterRiskCurrentInvestment extends Rule<Settings> {
     };
   }
 
-  public getSettings(aUserSettings: UserSettings): Settings {
+  public getSettings({ baseCurrency, xRayRules }: UserSettings): Settings {
     return {
-      baseCurrency: aUserSettings.baseCurrency,
-      isActive: aUserSettings.xRayRules[this.getKey()].isActive,
-      thresholdMax: 0.5
+      baseCurrency,
+      isActive: xRayRules[this.getKey()].isActive,
+      thresholdMax: xRayRules[this.getKey()]?.thresholdMax ?? 0.5
     };
   }
 }
diff --git a/apps/api/src/models/rules/account-cluster-risk/single-account.ts b/apps/api/src/models/rules/account-cluster-risk/single-account.ts
index 1f61b9659..feaaf4e38 100644
--- a/apps/api/src/models/rules/account-cluster-risk/single-account.ts
+++ b/apps/api/src/models/rules/account-cluster-risk/single-account.ts
@@ -34,9 +34,9 @@ export class AccountClusterRiskSingleAccount extends Rule<RuleSettings> {
     };
   }
 
-  public getSettings(aUserSettings: UserSettings): RuleSettings {
+  public getSettings({ xRayRules }: UserSettings): RuleSettings {
     return {
-      isActive: aUserSettings.xRayRules[this.getKey()].isActive
+      isActive: xRayRules[this.getKey()].isActive
     };
   }
 }
diff --git a/apps/api/src/models/rules/currency-cluster-risk/base-currency-current-investment.ts b/apps/api/src/models/rules/currency-cluster-risk/base-currency-current-investment.ts
index 1258eb889..e3050efcc 100644
--- a/apps/api/src/models/rules/currency-cluster-risk/base-currency-current-investment.ts
+++ b/apps/api/src/models/rules/currency-cluster-risk/base-currency-current-investment.ts
@@ -62,10 +62,10 @@ export class CurrencyClusterRiskBaseCurrencyCurrentInvestment extends Rule<Setti
     };
   }
 
-  public getSettings(aUserSettings: UserSettings): Settings {
+  public getSettings({ baseCurrency, xRayRules }: UserSettings): Settings {
     return {
-      baseCurrency: aUserSettings.baseCurrency,
-      isActive: aUserSettings.xRayRules[this.getKey()].isActive
+      baseCurrency,
+      isActive: xRayRules[this.getKey()].isActive
     };
   }
 }
diff --git a/apps/api/src/models/rules/currency-cluster-risk/current-investment.ts b/apps/api/src/models/rules/currency-cluster-risk/current-investment.ts
index 5627ae254..fadf47ba5 100644
--- a/apps/api/src/models/rules/currency-cluster-risk/current-investment.ts
+++ b/apps/api/src/models/rules/currency-cluster-risk/current-investment.ts
@@ -62,11 +62,11 @@ export class CurrencyClusterRiskCurrentInvestment extends Rule<Settings> {
     };
   }
 
-  public getSettings(aUserSettings: UserSettings): Settings {
+  public getSettings({ baseCurrency, xRayRules }: UserSettings): Settings {
     return {
-      baseCurrency: aUserSettings.baseCurrency,
-      isActive: aUserSettings.xRayRules[this.getKey()].isActive,
-      thresholdMax: 0.5
+      baseCurrency,
+      isActive: xRayRules[this.getKey()].isActive,
+      thresholdMax: xRayRules[this.getKey()]?.thresholdMax ?? 0.5
     };
   }
 }
diff --git a/apps/api/src/models/rules/emergency-fund/emergency-fund-setup.ts b/apps/api/src/models/rules/emergency-fund/emergency-fund-setup.ts
index 0ba7a109c..c59701438 100644
--- a/apps/api/src/models/rules/emergency-fund/emergency-fund-setup.ts
+++ b/apps/api/src/models/rules/emergency-fund/emergency-fund-setup.ts
@@ -19,7 +19,7 @@ export class EmergencyFundSetup extends Rule<Settings> {
   }
 
   public evaluate(ruleSettings: Settings) {
-    if (this.emergencyFund < ruleSettings.thresholdMin) {
+    if (!this.emergencyFund) {
       return {
         evaluation: 'No emergency fund has been set up',
         value: false
@@ -32,16 +32,14 @@ export class EmergencyFundSetup extends Rule<Settings> {
     };
   }
 
-  public getSettings(aUserSettings: UserSettings): Settings {
+  public getSettings({ baseCurrency, xRayRules }: UserSettings): Settings {
     return {
-      baseCurrency: aUserSettings.baseCurrency,
-      isActive: aUserSettings.xRayRules[this.getKey()].isActive,
-      thresholdMin: 0
+      baseCurrency,
+      isActive: xRayRules[this.getKey()].isActive
     };
   }
 }
 
 interface Settings extends RuleSettings {
   baseCurrency: string;
-  thresholdMin: number;
 }
diff --git a/apps/api/src/models/rules/fees/fee-ratio-initial-investment.ts b/apps/api/src/models/rules/fees/fee-ratio-initial-investment.ts
index 09029fd3e..9b1961ed6 100644
--- a/apps/api/src/models/rules/fees/fee-ratio-initial-investment.ts
+++ b/apps/api/src/models/rules/fees/fee-ratio-initial-investment.ts
@@ -43,11 +43,11 @@ export class FeeRatioInitialInvestment extends Rule<Settings> {
     };
   }
 
-  public getSettings(aUserSettings: UserSettings): Settings {
+  public getSettings({ baseCurrency, xRayRules }: UserSettings): Settings {
     return {
-      baseCurrency: aUserSettings.baseCurrency,
-      isActive: aUserSettings.xRayRules[this.getKey()].isActive,
-      thresholdMax: 0.01
+      baseCurrency,
+      isActive: xRayRules[this.getKey()].isActive,
+      thresholdMax: xRayRules[this.getKey()]?.thresholdMax ?? 0.01
     };
   }
 }
diff --git a/apps/client/src/app/pages/portfolio/fire/fire-page.component.ts b/apps/client/src/app/pages/portfolio/fire/fire-page.component.ts
index 5aca4b375..10a2eb604 100644
--- a/apps/client/src/app/pages/portfolio/fire/fire-page.component.ts
+++ b/apps/client/src/app/pages/portfolio/fire/fire-page.component.ts
@@ -134,8 +134,6 @@ export class FirePageComponent implements OnDestroy, OnInit {
   }
 
   public onRulesUpdated(event: UpdateUserSettingDto) {
-    this.isLoading = true;
-
     this.dataService
       .putUserSetting(event)
       .pipe(takeUntil(this.unsubscribeSubject))