 savings account that you can access on short notice. It's tempting to invest that money in stocks or bonds, but your safety net should never be put at risk. How do I start? If saving three months of expenses sounds ridiculous, start small, transfer some amount, any amount every month into the emergency fund account. Celebrate when you hit milestones like 100 or $500 saved. The change journey brought to you by Pacific crest, where you can find your people.