An emergency fund is your financial safety net, protecting you from unexpected expenses like medical bills, car repairs, or sudden job loss. Here’s how to build one without feeling overwhelmed.

Start small
Begin by saving $500 to $1,000. It may not cover everything, but it’s a great start for minor emergencies.

Set a target
Aim to save 3 to 6 months’ worth of living expenses. This will give you a comfortable cushion during tough times.

Automate savings
Set up automatic transfers from your checking account to a dedicated savings account. Consistency is key.

Cut unnecessary expenses
Identify areas where you can save — fewer takeouts, cancel unused subscriptions, or buy generic brands.

Keep it accessible but separate
Your emergency fund should be easy to access quickly, but kept separate from your regular spending money to avoid temptation.

With patience and discipline, you’ll build peace of mind knowing you’re financially prepared.