6. Build an Emergency Fund That Actually Works
Unexpected expenses don’t disappear in retirement — if anything, they become more likely. A medical bill, a home repair, or even helping a family member in need can create stress if you don’t have a cushion.
Ideally, you’ll want at least three to six months of living expenses set aside. If that sounds like a lot, start small — even $25 or $50 a month adds up. Keep it in a separate savings account, one that’s easy to access but not so easy that you’ll spend from it impulsively.
Think of it as your safety net for peace of mind.
