Build an Emergency Fund Plan

    Help me plan an emergency fund.

My essential monthly expenses (the must-pay basics — rent, food, utilities, minimums): {{essential_expenses}}
What I already have saved for emergencies, if anything: {{current_savings}}
How much I can set aside each month: {{monthly_savings_capacity}}
My situation (stable job, variable income, dependents, anything that affects how much cushion I need): {{context}}

Please:
- Help me set a **target** — a common guideline is 3–6 months of essential expenses, but explain what would push me toward the smaller or larger end given my situation, and calculate the range from my numbers.
- Build a **month-by-month savings plan** to reach it at the rate I can save, with a realistic timeline.
- Suggest a sensible **starter milestone** (many people aim for a small first cushion before the full fund) so I get an early win.
- Note practical points to consider — like keeping it somewhere separate and accessible — as **things to think about**, not product recommendations.

Use only my numbers; don't invent expenses or a savings rate. This helps me organize a savings plan — it isn't financial advice, and I shouldn't name specific accounts or products for me; a qualified professional can advise on my full picture. If my essential expenses or savings capacity are missing, ask before planning.