From Rainy Days to Financial Security: How to Build an Emergency Fund That Works

April 7, 2025

Life doesn’t always go according to plan. Whether it’s an unexpected job loss, a medical emergency, or an unforeseen expense, the question is the same: Are you financially prepared?

At Kickstand Wealth Advisors, we believe the first layer of true financial security starts with one thing—an emergency fund. Here's why it matters, how much you might need, and smart places to keep it.

Why an Emergency Fund Is Essential

An emergency fund is more than just a financial cushion. It’s the freedom to make thoughtful decisions without being backed into a corner. It’s the ability to stay calm in uncertain times. It’s power—and peace of mind.


Think of it as your financial kickstand: something that keeps you balanced when life tilts unexpectedly.

How Much Should You Save?

Everyone’s situation is unique, but here's a simple guide to help determine the right amount of cash to set aside:

3 Months of Expenses

Best for: Dual-income households with stable jobs and no large upcoming expenses.

6 Months of Expenses

Best for: Single-income families or couples with a significant income gap. Jobs are generally stable, but there's some need for added cushion.

9-12 Months of Expenses

Best for: Business owners, commission-based earners, or anyone with a less predictable income stream.

If you're unsure how much applies to you, start with 3 months and build from there. The goal is progress, not perfection.

Where Should You Keep It?

Your emergency fund should be safe, liquid, and accessible. That means avoiding high-risk investments and long lock-up periods.  Here are two options we often recommend:


High-Yield Savings Accounts

  • FDIC-insured
  • Still liquid
  • Yields currently around 4%–4.5%
  • Great for peace of mind and easy access

Money Market Funds

  • Often yielding 4.5%–5.5% as of April 2024
  • Still liquid, though slightly more market-sensitive
  • A good option if you want to earn a little more without sacrificing accessibility


Note: Rates change frequently—talk to your advisor about the best option for your specific needs.

Build it, Then Breathe Easier

An emergency fund may not feel as exciting as investing or buying a home—but it’s one of the smartest, most empowering moves you can make. It gives you the confidence to face whatever comes next—and the freedom to focus on your long-term goals, not short-term setbacks.



If you’re ready to build (or revisit) your financial foundation, we’re here to help.

Need help figuring out how much to save—or where to start?

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