Build Your Financial Safety Net That Actually Works
Most people think three months of expenses is enough. But what happens when your boiler dies the same week your car needs repairs? Learn how to create an emergency fund that handles real life, not just textbook scenarios.
Start Your Planning JourneyWhy Standard Advice Falls Short
Traditional financial guidance tells you to save three to six months of expenses. Sounds simple enough. But here's what nobody mentions — emergencies rarely come one at a time.
Last year alone, we worked with families who faced job loss during a housing market shift, medical expenses that stretched for months, and home repairs that cascaded into bigger issues. The people who weathered these storms best weren't following the standard playbook.
The Stacking Method That Changes Everything
Instead of one big emergency fund sitting in a single account, successful families use what we call emergency fund stacking. Think of it like building with blocks rather than hoping one giant block will solve everything.
You'll learn how to create multiple layers — immediate access funds for urgent situations, medium-term buffers for extended problems, and opportunity reserves that actually work for you while staying available when needed.
Your Emergency Fund Action Plan
Six focused modules that take you from worried about money to confident in your financial foundation. Each section builds on the last, so you're never overwhelmed.
Calculate Your Real Numbers
Forget generic formulas. We'll help you figure out what your household actually needs based on your specific situation, job security, and local living costs.
Smart Account Structure
Learn where to keep different portions of your emergency funds — from instant access accounts to higher-yield options that still keep your money available when you need it.
Funding Strategies That Stick
Building an emergency fund doesn't mean living on beans and rice for years. We'll show you sustainable ways to build your fund without sacrificing everything you enjoy.
When and How to Use It
Not every unexpected expense qualifies as an emergency. You'll learn the decision framework that helps you know when to tap your emergency fund versus finding other solutions.
Recovery and Rebuilding
After you've used your emergency fund, what next? This module covers how to rebuild smartly while handling ongoing expenses and getting back to financial stability.
Integration with Long-term Goals
Your emergency fund shouldn't exist in isolation. Learn how to balance emergency savings with retirement contributions, house deposits, and other financial priorities.
Thornton Blackridge
Emergency Fund Planning Specialist
Start Building Real Financial Security
The next cohort begins in September 2025, with additional sessions starting in early 2026. These aren't rushed weekend workshops — we take the time to help you build something that actually works for your specific situation.
Our approach focuses on practical implementation rather than theoretical knowledge. You'll leave with actual accounts set up, automated systems in place, and a clear path forward that fits your income and lifestyle.
Discuss Your Situation