Building a six-figure emergency fund sounds crazy, but I managed to do it in under three years. It started with a goal: save $100,000 for emergencies. I knew it wasn’t going to happen overnight, so I broke it down into bite-sized chunks. I set a monthly savings target that was both ambitious and realistic. To get there, I made a few lifestyle changes. I cut unnecessary expenses—goodbye, daily coffee runs and dining out—and used the extra cash to save. But here’s the real trick: I focused on increasing my income. I picked up freelance gigs, started a side business, and even rented out a room in my house. With a higher income and disciplined savings, I was able to stash away money every month. I kept my money in high-interest savings accounts, letting it grow. After a couple of years, I reached my target—and then some. Now, I sleep soundly, knowing that no matter what life throws at me, I’ve got a safety net. The best part? Building a six-figure emergency fund wasn’t about sacrificing everything; it was about smart choices and hustling a little harder.