The idea is to have, e.g. three to six months of living expenses held in reserve cash. Once you’ve built the emergency fund, spend all you want. Ladder your eme

The idea is to have, e.g. three to six months of living expenses held in reserve cash. Once you’ve built the emergency fund, spend all you want. Ladder your emergency fund into I-bonds or something if worried about it eroding from inflation. It’s very solid general life advice. Prepare.