Latest / The Emergency Fund Podcast with Fexingo: Cash Reserves, Saving, and Financial Cushion
Why Your Emergency Fund Should Be a Three-Month Floor
In the first episode of The Emergency Fund Podcast, Lucas and Luna break down the single most important number in personal finance: why three months of expenses is the minimum safety net, not a luxury. They use the 2020 pandemic layoffs at a major hotel chain as a concrete example of how fast income can vanish, and explain the math behind a cash cushion. Lucas shares the story of a friend who had to raid a 401(k) because she only had two weeks of savings, and Luna counters with data from a 2025 Federal Reserve survey showing that 37% of Americans couldn't cover a $400 emergency. No…
The skinny
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