Excellent — let’s plan this like a top-tier financial planner would. 🧮 Step 1: Determine Ideal Emergency Fund Size Your monthly expense = ₹30,000 . Emergency fund is meant to cover living expenses when income stops (job loss, illness, etc.). Recommended range: Risk Level Duration Fund Amount Minimal dependents, stable job 3 months ₹90,000 Moderate dependents, average job stability 6 months ₹1,80,000 High dependents / uncertain income / self-employed 9–12 months ₹2,70,000 – ₹3,60,000 ✅ Ideal for most people: 6 months = ₹1.8 lakh. If you have dependents or irregular income, build toward ₹3 lakh . 🏦 Step 2: Where to Keep Your Emergency Fund The key principles: 100% Liquidity (instant access) Capital protection Reasonable return (better than savings a/c) We split it across 3 buckets for safety + liquidity: 1️⃣ Instant Access (30% = ₹54,000) Purpose: For true emergencies — medical, job loss, etc. Where: High-interest Savings A...