Introduction
Emergencies are inevitable. Financial crises are not.
Why This Matters
An emergency fund protects you from debt, panic, and instability.
A Real-Life Experience
Two families face the same car repair. One panics. One pays and moves on. The difference? Savings.
The Core Financial Lesson
Preparedness equals peace.
Key Takeaways
- Emergencies are predictable
- Savings reduce stress
- Small starts matter
Practical Steps
- Start with $500
- Automate savings
- Keep it separate and accessible
Reflection Questions
- What emergencies hit me most often?
- How would savings change my reactions?
SCB Closing
Emergency funds don’t prevent problems — they prevent disasters.
