How much you need, where to keep it, and how to get there without derailing daily life.
An emergency fund is the difference between a bad month and a bad year. Aim for three to six months of essential expenses — your needs bucket, not your entire salary.
Keep it liquid and boring: a separate savings account or liquid fund you will not casually dip into.
Build it in stages. One month of expenses first, then three, then six. Each milestone is a savings goal in My Budget with its own progress bar.