<p dir="ltr">In this episode of PennyWise, host John Kiernan discusses the importance of having an emergency fund and how to build one with Adam McCann, a personal finance writer with WalletHub who is an expert on credit cards and budgeting. John and Adam define what an emergency fund actually is, explore the risks that come with not having one, and provide practical tips for saving more, funding different savings goals, and keeping everything straight. Budgets are tight these days, and you never know when an emergency expense will crop up, so you&rsquo;ll be glad you listened! John also answers listener questions.</p> <p dir="ltr">More on this episode from WalletHub: <a href="https://wallethub.com/best-budget-apps">Best Budget Apps</a> &amp; <a href="https://wallethub.com/edu/b/how-to-save-money/88886">How to Save More Money</a></p> <p><strong id="docs-internal-guid-e43e30a2-7fff-9af1-eca8-b4d7814c629a">To find the best home for your emergency fund, check out <a href="https://wallethub.com/best-savings-accounts">WalletHub's picks for the best savings accounts</a>.</strong></p>