Mailbag: “How much should I save, when my job is shaky?”
How much should you actually have in savings to feel safe? In this week’s Ask the Experts, it’s a listener letter from someone worried about layoffs and wondering whether they’ve saved enough - or maybe even too much. Heartland Bank’s Will White joins the show to unpack what a real emergency fund looks like in 2025. How many months of expenses should you really have tucked away? What happens if you over-save and leave too much cash sitting idle instead of investing it? And where’s the best place to keep your buffer; a high-interest account, term deposit, or offset mortgage? If you’ve ever…
The skinny
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