Emergency Fund Survival
Meet Sam, who earns a salary that covers the bills. Choose how big Sam's emergency fund is, then live through a year of job loss and surprise bills, deciding how to pay each one. A new scenario every day.
Frequently asked questions
How many months of expenses should an emergency fund cover?
3 to 6 months of essential expenses is the common guideline. Irregular income, dependents, a single-income household or a specialised job market all argue for the higher end or more.
Why does the game give different profiles each day?
Because the right size depends on your situation. Steady income with no dependents needs less than irregular income with a family, and the game shows how much longer a job loss can realistically last in each case.
Where should an emergency fund be kept?
Somewhere safe and easy to reach, such as a savings account or a short-term deposit, not in volatile investments you might have to sell at a loss when you need the cash.
Is this game financial advice?
No. It is an illustrative learning game with simplified numbers. Your own fund size should reflect your actual expenses and risks.