How Much Should You Keep in an Emergency Fund?
The classic 3–6 months rule, when to hold more, and where to actually park the cash so it stays liquid without losing to inflation.
An emergency fund is the single most important account you can build. It buys you time when life throws a curveball — a lost job, a car repair, a medical bill.
How much is enough?
The standard advice is three to six months of essential expenses. If your income is variable or your household has a single earner, aim for the higher end.
Where to keep it
A high-yield savings account gives you same-day liquidity and typically pays 4–5% today. Skip CDs and stocks — you want speed, not yield.
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