September 30, 2025

Emergency Funds: Before and After Retirement

26 minutes

Welcome back to Market Moment! In today’s episode, Matt, John and Eli explore one of the most common personal finance questions:

"How much should I have in an emergency fund — both before and during retirement?"

Together, they unpack the strategy behind building a resilient emergency fund, including:

🔹 When to increase or decrease your cash reserves

🔹 How job security, family dynamics, and income stability impact your emergency savings target

🔹 The role of cash in protecting your investments during market volatility

🔹 Why a well-funded emergency account is the foundation of any strong financial plan

🔹 Smart approaches for younger investors, retirees, and everyone in between

Using real-life examples from client experiences, they offer practical, flexible strategies for maintaining and growing your emergency fund — without sacrificing long-term growth.

The conversation also shifts to current headlines, including:

📉 The looming U.S. government shutdown — what it actually means for the economy

📊 Are we already in a “rolling recession”?

🤖 The rising influence of AI in the workforce and how it affects employment, especially among younger generations

Whether you're early in your financial journey or approaching retirement, this episode delivers real, actionable insights on how to prepare for the unexpected without derailing your financial goals.

🔔 Subscribe for weekly episodes on investing, personal finance, and market insights.

💬 Got a question? Email the team at [email protected]

📍 Learn more about Mach 1 Financial Group:

https://www.mach-1financial.com/

📄 Disclosures:

https://disclosures.mach1fg.com/

🎙 About The Market Moment Podcast:

Hosted by a rotation of advisors from Mach 1 Financial Group in Rogers, Arkansas — the Market Moment podcast provides thoughtful, real-world financial guidance. Each episode is designed to help listeners navigate market trends, investing strategies, and financial planning decisions with greater confidence.

#EmergencyFund #FinancialPlanning #Investing #Recession2025 #MarketUpdate #PersonalFinance #RetirementPlanning #CashReserves #Mach1Financial #MarketMomentPodcast #MoneyManagement #AIAndJobs

Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

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By Mach 1 Financial Group

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