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An emergency fund is a dedicated cash reserve set aside to cover unexpected expenses or income loss — job loss, medical bills, urgent repairs — without going into debt. Financial planners generally recommend 3 to 6 months of essential living expenses.

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1. 1Add up your essential monthly expenses: rent/mortgage, food, utilities, transport, insurance, minimum debt payments
2. 2Multiply by your target months of coverage (3 for stable income, 6+ for variable income or dependants)
3. 3Keep the fund in a high-yield savings account — accessible but separate from daily spending

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