I have trained many financial coaches and have been involved with different training programs where the emergency fund is something you have no knowledge or management of. 

People seem confused about what a savings account is or something else, raising questions like: Why can't I have a savings account? Why does it have to be an emergency fund?  A savings account is for things like vacations or day-to-day management of your money, but an emergency fund is a safety net. It is set up for when you need money to manage a crisis.

If you have family living abroad, a sudden death or illness could make you want to live and be there with your family. If there is no emergency fund, you may have to rely on family and friends to help you financially.  

There are people at all income levels living on the edge. It's like standing on the edge of a cliff and wondering when something is going to push you off the cliff. 

"You shouldn't have to worry about finances when you're dealing with a crisis, such as the death of a loved one." 

How can you start it? You start where you are and work toward behavior change. Anything we want to accomplish requires that our behavior align with what we want to accomplish. If you want to start an emergency fund, start by saving, the amount is not so important in the beginning, the important thing is to create a habit of saving. 

Want to learn more about the emergency fund, follow this  podcast,  https://open.spotify.com/show/1YinIbad3ZOAAVwejIEecs

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