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Emergency Fund | The Foundation of Financial Security | Ethic Aura Advisory

Life is unpredictable. A sudden job loss, medical emergency, car repair, family crisis, or unexpected expenses can destroy your monthly budget.
That’s why every individual and family must have an Emergency Fund — a financial cushion that protects you in tough times.

This video explains everything you need to know about emergency funds and why it is the first and most important step in financial planning.

💡 What Is an Emergency Fund?

An Emergency Fund is money kept aside to handle unexpected and urgent expenses, without breaking your savings or taking loans.

It gives you:

✔ Financial security
✔ Peace of mind
✔ Protection from debt
✔ Stability during emergencies
✔ Confidence to handle life challenges

📌 How Much Emergency Fund Do You Need?

Most experts recommend:

🟪 Minimum: 3 months of monthly expenses
🟦 Ideal: 6 months
🟩 Best: 9–12 months

Your emergency fund should cover:

Rent / Home EMI

Food & essentials

Utility bills

School fees

Medical expenses

Transportation

Insurance premiums

Basic household needs

This ensures that even in tough times, life continues smoothly.

🏦 Where Should You Keep Your Emergency Fund? (Safe Options)
✔ High-yield savings account
✔ Liquid mutual funds
✔ Fixed deposits (short-term)
✔ Cash in hand (small portion only)

Important:
❌ Don’t invest emergency money in stock market
❌ Don’t lock it in long-term plans
❌ Don’t mix it with regular savings

Your emergency fund must be safe, liquid, and accessible immediately.

🚨 Why Emergency Funds Are So Important

Protects you from taking personal loans

Saves you from paying high credit card interest

Helps during medical emergencies

Gives financial confidence during job loss

Avoids emotional stress

Supports your family when income is unstable

An emergency fund is not optional—it’s a necessity.

🌟 Message from Ethic Aura Advisory

Financial wisdom starts with safety and preparedness.
At Ethic Aura Advisory, we aim to guide you with practical, ethical, and meaningful financial knowledge to help you live a secure and balanced life.

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