Hello, I am Farah Zulkifli and you are listening to Rent, Rice and Rainy Days, the show about money for people who get paid once a month. Today we are talking about the emergency fund, and I want to start by throwing out the number everybody quotes. Six months of expenses. For some people that is far too much and they give up before they begin. For others, with parents to support and an old car and no insurance, it is not nearly enough. So we are going to size it honestly, for your life, not for a textbook. I will walk through how I do it with clients, where to park the money so it is safe but not tempting, and later a listener from Johor Bahru shares the fourteen month plan she actually stuck to. Get a pen. You are listening on Witspeak Podcasts.