Latest / The Emergency Fund Podcast with Fexingo: Cash Reserves, Saving, and Financial Cushion
Emergency Fund Inflation How Shrinking Purchasing Power Changes Your Cash Reserve Target
Episode 9 of The Emergency Fund Podcast tackles an under-discussed problem: inflation silently erodes the purchasing power of cash sitting in a savings account. Lucas walks Luna through the math—how a three-month emergency fund of $18,000 in 2021 was only worth about $15,800 by 2024, effectively losing one month of coverage. They discuss whether to inflation-adjust your target annually, what happened to emergency savers during the 2022 price spikes, and how to blend high-yield savings with short-term Treasuries to preserve buying power. Luna shares a practical hack: recalculating her own fund…
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