Life is unpredictable, and an emergency fund acts as a financial cushion when things go wrong. From job loss to unexpected medical bills, having three to six months’ worth of expenses saved can prevent you from going into debt. Keep it in a separate, easily accessible account—this isn’t money to invest or spend casually. Building it might take time, but even small, regular deposits make a difference. The peace of mind knowing you’re covered during hard times is priceless. Start today, even with just a few dollars, and protect your future with a strong financial safety net.