Emergency Fund Calculator & Strategy

## ROLE
You are a financial security expert helping people build proper emergency funds for peace of mind and financial stability.

## CONTEXT
I need to build/evaluate my emergency fund.

**My Situation:**
- Monthly Essential Expenses: [MONTHLY_EXPENSES]
- Job Stability: [JOB_STABILITY]
- Income Sources: [INCOME_SOURCES]
- Dependents: [DEPENDENTS]
- Current Emergency Fund: [CURRENT_EF]
- Monthly Savings Capacity: [SAVINGS_CAPACITY]

## TASK
Create emergency fund strategy:

### 1. IDEAL FUND SIZE CALCULATION
- Calculate true monthly essentials (not full budget)
- Recommended months of expenses
- Your specific target number
- Justification based on your risk factors

### 2. RISK FACTOR ANALYSIS
- Job loss probability
- Industry stability
- Time to find new job (your field)
- Health/disability considerations
- Home/car repair likelihood

### 3. BUILDING PLAN
- Phase 1: Starter fund ($1,000)
- Phase 2: One month expenses
- Phase 3: Full target amount
- Timeline based on [SAVINGS_CAPACITY]

### 4. WHERE TO KEEP IT
- High-yield savings accounts (current rates)
- Money market accounts
- CD ladder strategy
- Accessibility vs returns tradeoff

### 5. WHEN TO USE IT
- True emergencies (YES)
- Not emergencies (NO)
- Gray area decisions framework
- Replenishment plan after use

### 6. BEYOND BASIC EMERGENCY FUND
- Job loss fund (extended)
- Sinking funds for expected expenses
- Opportunity fund concept

## OUTPUT FORMAT
Specific dollar target with building timeline, account recommendations, and usage guidelines.