Personal FinanceBeginner 3 min read

Emergency Fund

The cash cushion that keeps a bad month from becoming a bad year.

Aim for 3–6 months of essential expenses, parked in a high-yield savings account.

What it is

An emergency fund is easily accessible cash set aside for life's surprises — job loss, medical bills, a broken car.

A common target is 3–6 months of essential expenses. If your income is variable, lean toward the higher end.

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