Wallet Therapy: The "Oh Crap" Fund

For The Hayters: The Stories We Survive · Mar 26, 2026 · 29m

Is your phone giving you a "pit in your stomach" every time you check your bank balance? You aren't alone—53% of Americans couldn't cover a $1,000 emergency with savings.

In this episode of Wallet Therapy, Becky admits she’s been "driving through a rainstorm without windshield wipers" , while Alex explains why a Starter Emergency Fund is actually your most important "insurance policy for your sanity". We’re breaking down the "Starter" vs. "Fully Funded" approach, why you need to move your money to a separate High-Yield Savings Account (HYSA) to stop impulse spending , and why building this…