Emergency Fund Builder

Prompt

Help me build a fully-funded emergency fund.

Current situation:
- Monthly take-home income: [AMOUNT]
- Current emergency savings: [AMOUNT]
- Monthly essential expenses (housing, food, utilities, insurance, transport): [AMOUNT]
- Job stability: [VERY STABLE / MODERATE / UNSTABLE / SELF-EMPLOYED]
- Number of dependents: [NUMBER]
- High-interest debt status: [HAVE IT / DEBT-FREE]
- Target emergency fund size: [3 MONTHS / 6 MONTHS / OTHER OR HELP ME DECIDE]

Build my plan:

1. **Target Amount Calculation** — Based on my income, expenses, and risk factors, what is the right emergency fund size for me specifically?

2. **Where to Keep It** — High-yield savings account recommendation criteria. What APY to look for. Why NOT to invest it.

3. **Monthly Savings Target** — How much to save each month to reach the goal by [TARGET DATE].

4. **Funding Strategy** — Specific cuts or income additions to fund the monthly savings target.

5. **Priority Ordering** — Should I build this before, after, or simultaneously with paying off debt? Framework for the decision.

6. **Automation Setup** — Exactly how to automate this so it happens without willpower.

7. **Use-It Rules** — Precise criteria for when I'm allowed to use the emergency fund (and when I'm not).

8. **Replenishment Plan** — If I use the fund, exactly how to rebuild it as fast as possible.