Guides ยท Finance
Emergency Fund for Freelancers
Buffer variable income
Freelancers often hold 6?12 months of essential expenses, separate tax savings, and tiered buffers to handle variable income.
- buffer
- variable income
- tax savings
- cash flow
- reserves
Size It
Target 6?12 months essentials plus a tax set-aside.
Separate Accounts
Keep tax, business, and personal buffers distinct.
Replenish
Refill after slow months and adjust targets annually.