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Rainy Day Fund

Five lives, five rainy years. Size the emergency fund: enough to stay off loans, not so much it gathers dust.

Choose your level

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Rainy Day Fund

Five lives, one year each: a steady job, a freelancer, a family with an old car. Set the emergency fund in months of costs, then the year's surprises land. Too little means a costly loan; far too much sits idle.

5 lives
Emergency savings

How to play

Read. Each life shows its monthly costs and what could go wrong.
Set. Choose the fund in months of costs and lock it in. Up to 200 points a year.
Three levels. Beginner, Intermediate or Expert, picked before you play: the content and the clock change, and each level keeps its own best score.
Coins. Example numbers in plain fictional coins, made up for the game. Not financial advice.

Quick tips

Count in months. Months of costs is a measure that fits any income.
Size to the risk. Irregular pay or old equipment calls for a bigger cushion than a steady job.

One more tip in the Rainy Day Fund guide →