If an unexpected $400 charge came up, it’s estimated that 40% of Americans would struggle to pay this amount, according to data published in 2019 by the Federal Reserve. Life happens. Circumstances change. And that’s why it so important to be financially secure with savings, an emergency fund, investments and more. We speak with financial expert, Emily Guy Birken this week about how to start budgeting and saving. Learn more about your ad choices. Visit podcastchoices.com/adchoices