How Much Should You Keep in an Emergency Fund? (And Where Should You Park It)?

How much cash should you actually keep in savings? Keeping too little can leave you exposed. But keeping too much cash sitting in a savings account can quietly hurt your long-term wealth. In this video, I break down: • The simple emergency fund rule most people use • When 3–6 months isn’t enough • When it might be too much • How income stability changes the answer • Where to keep your emergency fund • When to start investing instead Your emergency fund isn’t about a magic number — it’s about protecting your financial plan while still allowing your money to grow. If you’ve ever wondered whether you’re holding too much (or too little) in cash, this will help you make a confident decision. Subscribe for more straightforward retirement and investing guidance.