Start small
A first goal of $1,000 or one month of essential expenses covers many common surprises like a car repair or a medical bill.
Then build to 3–6 months
A common longer-term goal is three to six months of essential expenses. Households with one income or irregular pay often aim higher.
Keep it separate and automatic
Use a separate savings account and set an automatic transfer for the day after payday. Money you don't see in checking is easier to leave alone.
Do this today
Open or choose a separate savings account and set up an automatic transfer, even a small one.