MONEY DECISION GUIDE

How Much Emergency Fund Do You Need?

Choose a cash runway based on income stability, obligations, and real risk.

One month of essential expenses is a useful first floor. It keeps a routine surprise from immediately becoming expensive debt.

Three months can fit stable dual-income households; six months may make more sense with variable income, dependents, health needs, or a specialized job search.

Keep emergency money liquid and separate from everyday spending. Recalculate the target when housing, insurance, or family obligations change.