How much should you have saved for emergencies? It depends on your expenses, job stability, and risk tolerance.
Marcus by Goldman Sachs offers some of the highest FDIC-insured savings rates — no minimum balance.
Open a Marcus High-Yield Savings Account →3 months: Minimum baseline for stable W-2 employees with dual household income.
6 months: Standard recommendation. Covers job loss, medical emergencies, or major repairs.
9-12 months: Recommended for freelancers, self-employed, or single-income households. Your income is less predictable — a bigger cushion protects against dry spells.
Shop profit, fees & self-employment tax
Which deduction saves you more?
Monthly payment & total cost of a business loan
FBA, Shopify & multi-channel store valuation