{"id":3791,"date":"2018-09-16T20:00:00","date_gmt":"2018-09-16T20:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insightsemergency-cash-how-prepared-are-you\/"},"modified":"2025-07-16T09:08:30","modified_gmt":"2025-07-16T13:08:30","slug":"emergency-cash-how-prepared-are-you","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/emergency-cash-how-prepared-are-you","title":{"rendered":"Emergency cash: How prepared are you?"},"content":{"rendered":"\n

In the days, weeks and months following a major life event or catastrophic weather<\/a>, people impacted may find themselves in immediate need for cash. Events of this magnitude might be something a rainy-day fund just can\u2019t cover.<\/p>\n\n\n\n

From emergency medical expenses to funds to replace a damaged roof, there are often expenses that pop up in the aftermath of a crisis that need to be paid before the first insurance reimbursement check comes in.<\/p>\n\n\n\n

While you can\u2019t predict when or where an emergency will happen, you can plan ahead to have the liquidity to weather the storms when they hit, says Fred Rose, head of Banking and Lending at RBC Wealth Management\u2013U.S.<\/p>\n\n\n\n

One key to risk mitigation is knowing risk is always on the periphery. To protect yourself and your family, it\u2019s important to periodically reassess your financial situation and have a plan in place to give you the liquidity you need when you need it.<\/p>\n\n\n\n

Preparing for the unexpected<\/h2>\n\n\n\n

\u201cWhether you have a bad year in your business, a disaster strikes, you lose your job, your kids have something happen in their life where you\u2019ve got to help them out\u2014something unexpected can happen that will impact your cash flow over the next five years,\u201d says Rose.<\/p>\n\n\n\n

While you can never predict when those life events will happen, you can plan for them when they do. Often, the planning process begins with asking a lot of questions.<\/p>\n\n\n\n

How are your parents doing? Where are your kids at in their education? Are they going to college soon? Are they looking to buy their first home? What\u2019s going on in your life?<\/p>\n\n\n\n

Preparation, Rose says, is about determining what percentage or cash level you feel is necessary to mitigate disruption during those unexpected life events, and then building that into your overall wealth plan.<\/p>\n\n\n\n

Building an emergency fund<\/h2>\n\n\n\n

One of the most important steps you can take to mitigate financial risk is to start building an emergency fund early, suggests Angie O\u2019Leary, head of Wealth Strategies and Solutions at RBC Wealth Management\u2013U.S.<\/p>\n\n\n\n

\u201cIf you\u2019re just coming out of college or if you\u2019re newly married, having that emergency fund is really important,\u201d says O\u2019Leary. \u201cWe advise having three-to-six months\u2019 worth of income saved for an emergency.\u201d<\/p>\n\n\n\n

\u201cExpenses are a big indicator for how much you should put away because generally, that\u2019s the lifestyle you have,\u201d says Rose. For instance, if you typically spend money on higher-quality goods, you will want to ensure you have enough cash on hand for replacing large-ticket items. So, if your basement gets flooded and destroys the laundry room, you need to factor in the costs to repair and replace those items.<\/p>\n\n\n\n

\u201cGenerally, look at the risk in your life\u2014the risks to your cash flow and risks to your income\u2014that should determine how much is in that oh-shoot<\/em> bucket,\u201d adds Rose.<\/p>\n\n\n\n

The amount in your emergency fund may also depend on your family situation. If you have a spouse who is employed, plus children, you may wish to increase the amount you save in the event of an emergency.<\/p>\n\n\n\n

Finding a savings account that maximizes interest for your emergency fund works, but O’Leary says the most important thing can be to make sure the money you need to access over the first three-to-six months of an emergency is liquid and available when you need it.<\/p>\n\n\n\n

Establishing a line of credit<\/h2>\n\n\n\n

While many people look to their investment portfolio as a source of emergency funds, there are risks to tapping into those securities.<\/p>\n\n\n\n

\u201cA surprise sale in your portfolio during an emergency is rarely an opportune time,\u201d says Rose. That\u2019s because if markets are high, this may lead to tax implications in the short and long term.<\/p>\n\n\n\n

\u201cA standby line of credit can bridge those gaps to avoid forcing the liquidation of your portfolio,\u201d Rose says.<\/p>\n\n\n\n

A line of credit could also be an option for investors who know they’re going to have major unfunded costs over the next 24 months.<\/p>\n\n\n\n

\u201cIf I know I\u2019m going to have a big tax bill due or if I know I need to replace the roof on my house, I need to be baking that into the budget,\u201d says Rose. \u201cI might want to have a standby line of credit for that.\u201d<\/p>\n\n\n\n

O\u2019Leary typically recommends having a secured line of credit\u2014whether that be against your home or your taxable portfolios and investment accounts\u2014before going into retirement, when your income is lower and opening a line of credit could become more challenging.<\/p>\n\n\n\n

Not only can a secured line help give you peace of mind, but it can also be used in the immediate aftermath of a disaster.<\/p>\n\n\n\n

\u201cWe don’t want clients to feel like they have to sell stock in a down market to fund their retirement needs,\u201d O\u2019Leary says. \u201cThat really has a large impact on their long-term retirement planning, especially early on.\u201d<\/p>\n\n\n\n

It all comes down to having a plan for liquidity in place and sticking to it.<\/p>\n\n\n\n

\u201cIf you can make that saving automatic to begin with, that\u2019s really a nice way to get used to not spending that money,\u201d says O\u2019Leary. \u201cThe key is to make sure you know how you\u2019re going to fund potential emergencies.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

You can’t predict when a disaster will strike, but you can make sure you have the liquidity to weather the storms when they hit.<\/p>\n","protected":false},"author":15,"featured_media":3793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[368],"tags":[423,424,425,426,265],"rbcwm_content_owner":[],"rbcwm_need":[466,463],"rbcwm_segment":[460],"rbcwm_solution":[484,482],"rbcwm_topic":[457,464],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-3791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-protection","tag-emergency-cash","tag-how-to-get-cash-in-an-emergency","tag-hurricane-irma","tag-natural-disaster","tag-saving-for-an-emergency","rbcwm_need-grow","rbcwm_need-protect","rbcwm_segment-individuals-and-families","rbcwm_solution-cash-and-lending-services","rbcwm_solution-investments","rbcwm_topic-education","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"You can't predict when a disaster will strike, but you can make sure you have the liquidity to weather the storms when they hit.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"Securities-based loans involve special risks and are not suitable for everyone. 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