Скачать или смотреть Emergency Fund Without Feeling Poor — 3-Tier Buffer

Calm wealth beats financial noise. This video shows a 3-tier emergency fund that protects you without feeling broke: micro buffer, one month of bills, and a simple path to 3–6 months — all while keeping your one-fund autopilot alive.

What you’ll learn

A 3-tier buffer that reduces panic

The three-bucket map: Bills • Spend • Save and Invest

Exact monthly flow to fill tiers automatically

What counts as an emergency and how to refill without guilt

How to handle debt and irregular income while building the fund

Quick start

Rename your HYSA to Calm Buffer.

Fill Tier 1: $500 or one week of essentials.

Auto-transfer after payday to Save until Tier 2: one month of bills.

Keep your monthly index-fund buy alive; pause raises until Tier 2.

Define emergencies; spend from Save, then schedule a tiny refill.

Resources

Autopilot Money Playlist: [   • Autopilot Money: Paycheck Split, Autopay &...  ]

Disclosure
This is education, not financial advice.

#EmergencyFund #CalmMoney #BeginnerFinance

Chapters

00:00 Why emergency funds feel punishing
00:24 Promise — the 3-tier buffer
00:45 Mindset — shock absorber, not museum
01:10 Tier 1 — micro buffer fast
01:47 Tier 2 — one month of bills
02:28 Autopilot map — Bills • Spend • Save and Invest
02:58 Transfers after payday
03:24 Pause raises until Tier 2
03:48 Frictionless ways to feed Save
04:22 What counts as an emergency
04:48 Use and refill without guilt
05:16 Irregular income — percentage rule
05:42 Partners — mine, yours, ours
06:10 Where to keep the money
06:34 Debt while saving — split approach
07:06 Two common fears, defused
07:34 Mini script for real life
07:58 Case study — Jordan
08:26 Five-minute monthly check
08:48 You’re building a runway
09:10 Recap and CTA