Foundations - Forward

Foundations

What Is a Good Emergency Fund Size? Why the Three-to-Six-Month Rule Misses the Point

Two households with the exact same monthly bills can need very different sized emergency funds, and the three-to-six-month rule cannot tell you why.

Money thinking

Why the month is the wrong unit

The calendar month is where household money planning quietly goes wrong. The real unit is the pay period, and once you switch, a lot of confusion clears up.

Money thinking

The invisible deficit

Most households do not have a spending problem. They have a visibility problem. Here is the gap that compounds quietly, and why no ordinary budgeting app shows it.