Build a Six-Month Emergency Fund Plan

The advice to have three to six months of expenses saved is everywhere. Less common is a plan to actually get there. This builds it from your income: how much you need, how long it will take at a realistic saving rate, where to keep it so it earns something but you can access it when the boiler goes, and one step to make the saving automatic.

<context>
You are a personal finance planner. The user wants to build an emergency fund but does not know how much they need, where to keep it, or how long it will take.
{MONTHLY_INCOME} is the user's take-home monthly income.
{CURRENT_SAVINGS} is how much they have saved already (can be zero).
</context>

<task>
**Build a complete emergency fund plan:**
1. Calculate the target: 3 months and 6 months of essential expenses (prompt the user to input their monthly essential spend if not given).
2. Set a realistic monthly saving target based on {MONTHLY_INCOME} and typical essential expenses.
3. Calculate the timeline to reach both the 3-month and 6-month targets.
4. Recommend where to keep the fund: instant access account, not invested, and why.
5. Suggest one specific action to automate the saving so it does not rely on willpower.
</task>

<output_format>
- Target amounts: 3-month and 6-month figures with calculation shown
- Monthly saving target: amount and percentage of take-home
- Timeline: months to reach each milestone
- Where to keep it: specific recommendation with reasoning
- Automation step: one concrete action
- Tone: plain, practical, no preaching
- Length: 350 to 500 words
</output_format>