Freelancer's Guide to Building an Emergency Fund When Income Is Unpredictable
Hello, I'm Jenie! Every personal finance article ever written says the same thing : save three to six months of expenses in an emergency fund. And every freelancer I know reads that, nods along, and then quietly wonders how exactly you're supposed to build that when your income looks like a rollercoaster graph. Last February was one of my slowest months in years. A client pushed a project to Q2, another one went completely quiet, and suddenly my income was less than half of what I'd made the month before. If I hadn't had a cushion built up, that would have been a genuinely stressful situation. Instead it was just... a slow month. That buffer is everything when you're freelancing. Here's how to actually build it, even when your income is unpredictable. Table of Contents 1. Why the Standard Emergency Fund Advice Doesn't Work for Freelancers 2. How Much Should a Freelancer Actually Save? 3. Where to Keep Your Emergency Fund 4. How to Build It When Eve...