This handles emergency fund sizing and structure based on your income stability and expense profile. It walks through the 3-6 month rule for stable employment versus 6-12 months for freelancers or variable income, breaks down essential versus discretionary expenses, and covers tiered fund structures across checking, high-yield savings, and Treasury bills. The opportunity cost framing is useful: it treats the foregone investment returns as an insurance premium rather than pretending cash reserves are free. Good for initial setup conversations and when clients ask about HYSA allocation or whether they're holding too much in checking. The vehicle comparison table and replenishment planning after drawdowns are solid references.
npx skills add https://github.com/joellewis/finance_skills --skill emergency-fund