- cash in your pocket (a few hundred dollars)
- cash at home (a few thousand dollars)
- cash in the bank (enough to cover six to twelve months of household bills)
With these three pots of money you can: evacuate ahead of an approaching hurricane, spring for an unplanned dinner, cover the bills for quite a while if you find yourself unemployed or with an extended illness, replace a busted hot water tank, pay for needed car repairs, etc. Getting these funds together should be a top priority.