10/08/2026
How many months of emergency savings is enough ?
There isn't one number that works for everyone.
3–6 months of expenses is a common starting point, but someone with irregular income, dependants or heavier fixed commitments may need a larger buffer.
More importantly, don't just ask how much you have.
Ask: If my income stopped tomorrow, how much of my life would still need to keep running?
Your emergency fund isn't there because you expect something bad to happen.
It's there to give you room to make decisions when life doesn't go according to plan.
Save this for your next financial review.
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紧急备用金到底要准备多少才够？
其实，没有一个固定的数字。
3–6个月支出可以作为一个基本参考值，但如果收入不固定、
需要照顾家人，或本身承担的固定责任比较多，你需要准备的也可能更多。
所以，比起问「我要存了几个月？」先想想
如果明天收入暂停，我现在生活中的事情，还有什么需要继续运作下去的？
存紧急备用金，不是我们就一定会出意外，
而是让事情没有按照计划发生时，我们还有选择的空间。
收藏起来，下次检视财务时再拿出来看看。
