What unique financial strategies does Hilary Erickson recommend for managing an emergency fund?

Hi, I’m Hilary Erickson from The Pregnancy Nurse.

In the content you shared, I don’t actually go into specific, step‑by‑step “Hilary’s emergency fund plan,” but there are a few principles I talk about that apply directly:

• Percentages instead of fixed amounts: Especially with variable income (like a business or commission job), I like using percentages. Whether I make “4 million or 4,000,” the same percentage can automatically go to savings, including an emergency fund.
• Partnership and transparency: I really emphasize talking about money with your partner—bigger‑picture conversations at least monthly or a few times a year, so both people know where the emergency fund stands and agree on priorities.
• Values before numbers: I love Nicole Rule’s idea I talked about—mindset, values, vision, then budget. An emergency fund should be sized and used based on what your family values (stability, staying out of debt, being able to move, etc.), not just someone else’s formula.

If you’d like, I can help you turn those ideas into a specific emergency‑fund plan for your situation—how much to save, where to keep it, and how to structure it with percentage‑based contributions.

What does your income look like right now—pretty steady, or does it fluctuate a lot month to month?