This is where you hear goals like saving enough money for three, six, nine or more months of expenses. Don’t
let these amounts scare you into doing nothing. Like any goal, breaking it down into smaller parts can help
you get started. Ask yourself, “How many months of savings would it take for me to feel secure?”
Tips:
• To get started, you may want to set a three-month goal, and once you hit that, set the new goal at
six months.
• If you have a job where your pay can vary from month to month, or if you work in an unstable field, you may
want to increase the number of months’ expenses for which you save.