Size cash reserves to essentials — not lifestyle inflation — so a job loss or repair does not derail the FI plan or the tithe.
Target fund
$42,000
Gap to target
$27,000
Now covering 2.1 months
Months to fill
54.0
Single-income or commission-heavy households often lean toward 6–12 months of essentials.
Everyday Amazon spend
Park the emergency fund in a high-yield cash account, then invest surplus beyond the target.
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What to do with the number, before another tool or another calculator.
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