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By Om K. | WealthMaze | Finance in 60 Seconds | 1 min read
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Three to six months of living expenses held in a liquid, accessible account. Not an investment — a buffer. Its purpose is to prevent a financial shock from forcing you to sell investments at the wrong time or accumulate high-interest debt.
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Model your high-yield cash savings target using our Emergency Fund Calculator.
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Om K. is the founder of WealthMaze and an active equity investor with a background in finance management. He studies markets not just through numbers, but through the lens of behavioral finance — understanding why people make the financial decisions they do, and how those decisions shape long-term wealth outcomes. Om built WealthMaze to bridge the gap between complex financial tools and everyday investors who deserve clear, unbiased answers. His writing focuses on the ideas most finance content gets wrong — the psychology, the math, and the real-world decisions that actually determine financial outcomes.
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