In my previous post, i wrote about how much do you need for your emergency account. For this post, I will be sharing with you on how to achieve your desired emergency account. Firstly, calculate the actual amount you wish to have in your emergency account. From there, have a proper plan on how and when to achieve your desired emergency fund. Let's say your monthly expenses is RM2k and you have a family of 4 (your stay-at-home wife, a young son and a baby girl). Referring to my previous post, it's wise to have at least 4 months expenses in your emergency account. So, 4 months x RM2k = RM8k. If you start from zero, give yourself about 1 or 2 years to achieve the amount. It's not wise to spend more than 2 years for your emergency fund as you need to get your emergency fund to be ready as soon as possible. Let's say you give yourself 2 years to gather the RM8k. Then, calculate how much you must put aside every month. In your case, it will be RM8k/24 months, which is about RM334month. It's easier to achieve right? Make sure you are persistent and follow the plan accordingly. Good Luck!