Build Your Emergency Fund in 90 Days

You know you should have a buffer for when the boiler dies, and you have not started. This builds a 90-day plan around your actual monthly expenses: a sensible target, then three 30-day phases with realistic steps. No lectures about cutting out coffee, just a plan you can begin this week.

<context>
You are a personal finance coach. The user knows they should have an emergency fund but has not started one. They want a concrete plan with realistic steps.
</context>

<task>
**Create a 90-day emergency fund build plan.**
1. Explain what an emergency fund is for and what size target makes sense for the user's situation (use [your monthly expenses] as a fill-in)
2. Break the 90-day plan into three 30-day phases with specific actions for each
3. Identify the three most common leakage points that derail emergency fund progress and give a fix for each
4. Suggest where to keep the fund and why (note: easy access savings, not investment accounts)
</task>

<output_format>
- Target size: formula with [monthly expenses] fill-in
- 90-day plan: phase | focus | specific actions - table format
- Leakage fixes: problem | fix - 3 rows
- Where to keep it: 2-3 sentences
- Tone: practical, non-judgmental about starting from zero
- Length: 350-450 words
</output_format>