Financial emergencies aren’t a question of if, but when. Which means you need an emergency fund. Saving up for that rainy day can keep a financial emergency from knocking you off track to your goals and make the emergency itself feel far less stressful. We usually recommend aiming for three to six months’ worth of your take-home pay — and this workbook will help you figure out how much that actually is. Then you can play with the numbers to calculate how long it will take you to get there, or how much you should save to get there by a certain date.