You’ve likely heard that an emergency fund is the cornerstone of any financial plan. Most advisors suggest socking away at least three to six months’ worth of income to build a proper savings account. But according to a 2024 CNBC survey, a sizable 65% of Americans live paycheck to paycheck, with nothing left in their accounts at the end of every month. In that scenario, many simply give up on the idea of saving, thinking that they will never be able to save as much as they should. The reality is, nothing ...