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Most emergencies cost more than $1,000.

In this episode, Jessica and Brandon break down what a properly funded emergency fund actually looks like and why it’s one of the first steps in any financial plan.

We cover:

• What counts as a true emergency
• How to calculate 6 to 12 months of expenses
• Why expenses matter more than income
• Where to keep your emergency fund
• Why you shouldn’t invest it
• How to automate your savings
• What to do if you feel behind

Whether you’re in a volatile industry, a dual-income household, self-employed, or rebuilding after a layoff, this conversation will help you create a clear, practical plan.

An emergency fund won’t make you wealthy. It keeps you from going into debt when life happens.

Start small. Automate it. Build the habit.

Resources mentioned in this episode:

• Get 50% off Monarch Money subscription
• Sign up with Ally
• 116: Five Signs You Need Financial Therapy
• 90: Rewriting Your Money Story with Financial Therapist Wendy Wright

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Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Their mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and fina...