The couple’s emergency fund: financial and emotional protection

The couple’s emergency fund: financial and emotional protection

Unexpected expenses don’t just hurt the budget—they create stress and blame. A shared emergency fund reduces the pressure and keeps decisions calm.

How much should you save?

A simple rule of thumb:

• 3 months of expenses if your income is stable
• 6 months if income varies or is uncertain

Start with a smaller target (one month) and build momentum.

What should it cover?

• Medical or dental surprises
• Repairs (car, home, urgent travel)
• Income gaps between jobs

If it’s “urgent and not optional,” it belongs here.

Where to keep it

Choose an account that is:

• Easy to access in an emergency
• Separate from everyday spending
• Visible to both partners

Build it together

Set a monthly contribution you can both stick to. Even a small fixed amount builds trust because it’s consistent.

Make it a shared win

An emergency fund isn’t just a number—it’s peace of mind. When you know the buffer exists, money conversations feel lighter and safer.

Start small, stay consistent, and review it together once a month. That’s the whole system.