The Method I Use to Decide How Much to Save for Emergencies

Life has a funny way of testing your wallet when you least expect it. A blown tire on the highway. A surprise medical bill. That strange rattle in your car that turns into a full-on breakdown. I’ve been there—and the only reason I avoided going into debt was because I had an emergency fund ready to catch me. It wasn’t huge, but it was enough to save me from stress and high-interest credit cards.