Summary:

In this episode, I break down the essentials of emergency funds—what they are, why they matter, and how to build one without stress.

Key Takeaways:

- An emergency fund is your financial safety net for unexpected expenses like car repairs, medical bills, or job loss.

- Aim to save 3–6 months of essential expenses (rent, groceries, insurance, etc.).

- If you're just starting out, a $500–$1,000 starter fund is a solid first goal.

- Keep the fund in a high-yield savings account—safe, accessible, and earning a bit of interest.

- Grow your fund faster by automating savings, using windfalls, cutting non-essentials short-term, and selling unused items.

Remember, it’s not about hitting a huge number overnight—it’s about building financial peace of mind, one small step at a time.