freelancer emergency fund
Personal Finance Dilemma? Irregular Pay Kills Your Cushion
Freelancers protect their cushion by automatically saving a fixed percentage of each payment into a tiered emergency fund that separates tax, health, and lifestyle reserves. According to GOBankingRates, 85% of adults with irregular income lack a three-month emergency reserve (GOBankingRates). This shortfall makes income volatility a leading cause of cash-flow