86: Rethinking Your 6 Month Emergency Fund

Layoffs, inflation, and rising costs are rewriting the rules of emergency savings. In this episode, Jess & Brandon break down why the old "3-month cushion" no longer cuts it—and what you actually need instead. You’ll learn: Why experts now recommend a 12-month emergency fundHow to separate wants vs. needs when calculating your savings targetWhy investments ≠ emergency savings (and what to do instead)5 practical strategies to build your fund faster—without burnoutHow to turn a daunting goa...