How do I build an emergency fund from scratch?

Start by opening a separate savings account dedicated only to your emergency fund so you're not tempted to spend it. Set a small, achievable initial goal like $500 or $1,000, then work toward three to six months of living expenses over time. Automate a fixed transfer to that account every payday, even if it's just $25 or $50. Treat it like a bill you must pay. Accelerate progress by directing windfalls like tax refunds, bonuses, or side income straight into the fund. Cut one or two non-essential expenses temporarily and redirect that money. Once you hit your target, leave it alone and only use it for genuine emergencies like job loss, medical bills, or urgent repairs.