Latest / The Emergency Fund Podcast with Fexingo: Cash Reserves, Saving, and Financial Cushion
When Your Emergency Fund Needs More Than Three Months
Most advice says three to six months of expenses in an emergency fund. But that rule cracks if you're self-employed, a single-income household, or in a volatile industry. Lucas and Luna look at why the cookie-cutter formula fails and how to stress-test your own number using real-income volatility data from freelancers and small-business owners. They walk through a concrete method: calculate your personal drawdown risk by mapping your worst two consecutive months of income over the past two years, then set a reserve floor based on the actual gap, not an arbitrary rule of thumb. The…
The skinny
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