How to Budget for a Rainy Day Fund That Actually Works

Budgeting for Beginners with Fexingo: Cash Envelopes, Apps, and Simple Money Tracking · Aug 31, 2026 · 7m · transcript

In this episode of Budgeting for Beginners, Lucas and Luna talk about the rainy day fund — the often overlooked middle sibling of emergency funds and sinking funds. They share why a specific number like $1,000 might be too generic, how to calculate your own based on weekly expenses, and the psychology of why it's easier to save when you name your fund something personal. They also discuss where to keep the money (high-yield savings vs. a jar in the kitchen) and what to do when you actually have to dip into it. With practical steps and a few laughs about their own budgeting fails, this…