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Plain-language answers to the things people most often ask a financial advisor.
The most common advisor conversation isn't about which stock to buy — it's about the fact that most people invest before they have a cash cushion, then have to sell investments at a bad time when a real emergency hits (job loss, medical bill, car repair).
Standard guidance: 3–6 months of essential expenses in something liquid — a savings account, sweep-in FD, or liquid mutual fund. 9–12 months if your income is variable or you're the sole earner. Use the Emergency Fund calculator to size yours.