A right-sized emergency fund turns surprises into inconveniences. Set a target based on your real expenses and see how close you are.
Pick coverage based on income stability: 3 months for dual-income, 6 for single-income, 9–12 for variable income.
$4,500/month in essential expenses × 6 months = $27,000 target. Park it in a high-yield savings account earning 4–5% APY.