How Much · How Long to Save · Where to Keep It
| Situation | Recommended |
|---|---|
| Dual income, no kids, stable jobs | 3 months |
| Single income, stable job | 4-6 months |
| Freelance / variable income | 6-9 months |
| Single income + dependents | 6-9 months |
| Self-employed + dependents | 9-12 months |
| Account | Rate (2025) | Access |
|---|---|---|
| High-Yield Savings | 4.0-5.0% APY | Instant |
| Money Market | 4.0-5.0% APY | 1-2 days |
| T-Bills / Treasury | 4.5-5.2% | Days to sell |
| Regular Savings | 0.01-0.50% | Instant |
High-yield savings is the best option — liquid + earning 4-5%. Never keep emergency fund in stocks.