Sizing your fund
Start with 3–6 months of essential expenses. Adjust higher for dependents, variable income, or high risk roles.
Where to keep it
Prefer high-liquidity, low-volatility accounts. Keep separate from long-term investments to avoid temptation.
How to build it
- Automate transfers after each paycheck.
- Increase contributions with raises or bonuses.
- Replenish quickly after use.