Emergency Funds 101: How Much Should You Really Save?
Blog Summary: How much should your emergency fund really be? This blog post breaks it down step-by-step so you can feel secure and stay recession-proof.
Step 1: Know Your Monthly Must-Haves
Add up essentials: rent/mortgage, food, gas, insurance, meds, childcare. This is your baseline monthly expense.
Step 2: Multiply That Number by 3–6
Three months is the minimum. Six is ideal. If you're a business owner or have variable income, aim for 9–12.
Step 3: Park It Where It’s Safe
High-yield savings accounts are your friend. Keep your emergency fund separate so you’re not tempted to dip into it.
Step 4: Build It Bit by Bit
Start with $500, then $1,000. Automate a small amount from every check until you reach your goal.
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