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While your household expenses may be higher or lower than the average, there's no doubt that even three months' worth of expenses is a big number. One look at that number and the average person's first reaction is, "I can't come up with that kind of money." Why So Much? The amount of money required to fund a proper emergency fund is certainly significant, but we live in uncertain times with uncertain economies. Corporate loyalty is a thing of the past and unemployment can happen unexpectedly, usually at the worst possible moment. Likewise, emergencies like sudden illness or disability, car repairs or a new roof, can be expensive and there's never a "good" time for these things to happen. While it's probably true that you don't have an extra $13,373 lying around, everything is relative. Even six months' worth of expenses is a puny number compared to the amount you will need to save for retirement; there's not a savvy investor out there, who balks at the idea of stashing away so much money that he or she will never need to work again. When compared to what you'll need over the course of 20 or 30 years in retirement, three months' worth of expenses doesn't look like much. (For more on retirement savings see How To Maximize Your Retirement Income.) Crunching the Numbers Now that you have things in perspective, it's time to start saving. Approach this effort the same way you would approach any other financial goal. Put together a plan and execute it. The first step, is to determine how much you spend each month. Housing, transportation, food and healthcare will likely be the three categories that eat up most of your cash. The average U.S. consumer spends 57% of his or her income on these items (based on 2014's average annual income before taxes of $66,877). Once you know your total expenses for each month, multiply that number by three. Reaching that number will be your initial goal. To achieve your three-month target, you need to start saving money. (To find out where your money is going, see The Hidden Costs of Home Ownership.) If we assume your initial goal is $10,000, the table below illustrates how much you will need to save each month, over a five-year or a 2.5-year period.

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