How do I start an emergency fund from scratch?

Start by opening a separate savings account dedicated only to emergencies so you're not tempted to spend the money. Set a small, achievable initial goal like $500 or $1,000 before working toward the standard three to six months of living expenses. 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. Speed up 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. The key is consistency over amount. Once the habit is established and the fund grows, it becomes self-reinforcing and much easier to maintain.