Step 2 of 6
Buffer: The emergency fund
The cushion that keeps you out of new debt
A broken car or a day off sick shouldn't wreck your plans. The emergency fund is the reason a financial shock stays an inconvenience, not a crisis.
Lessons
0/3 completed- 5 min
Why 3 to 6 months of expenses, not a fixed sum
“You need an emergency fund” is generic advice. See how to work out your real target, tailored to your own expenses, not to a figure picked at random.
- 5 min
Where to keep the emergency fund (categories, not recommended products)
The fund's role is availability, not maximum return. See which categories of instruments suit it, explained neutrally, as education, not as a recommendation.
- 5 min
Exactly how much you need: the calculation step by step
We move from theory to concrete figures: how to work out your own essential monthly expenses and how to build the fund gradually, without getting stuck.
Action checklist
What you do concretely this week, for step 2.