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...