# I Owe You an Apology: I've Been Teaching the Wrong Emergency Fund Amount

Page: https://stenobird.com/podcast/the-table-with-anthony-oneal-1365709/i-owe-you-an-apology-i-ve-been-teaching-the-wrong-emergency-fund-amount
Text version: https://stenobird.com/podcast/the-table-with-anthony-oneal-1365709/i-owe-you-an-apology-i-ve-been-teaching-the-wrong-emergency-fund-amount.md
Podcast: [The Table with Anthony ONeal](https://stenobird.com/podcast/the-table-with-anthony-oneal-1365709)
Published: 2026-04-20T08:00:51+00:00
Episode link: http://www.anthonyoneal.com/
Audio file: https://pdst.fm/e/pscrb.fm/rss/p/mgln.ai/e/137/audio3.redcircle.com/episodes/b74b64ae-25d5-4620-8f18-c47df726aca1/stream.mp3
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Duration seconds: 2257

## Resource

$1,000 Is No Longer Enough! I have to say it. I taught the $1,000 emergency fund rule for years. Today, I'm officially changing it — and I'm owning that. In 2026, a minor car accident costs $1,500–$3,000. One ER visit? Same. A broken water heater? Up to $2,000. The truth is, you can lose $1,000 in the time it takes to sneeze. The economy has changed, and our advice has to change with it. In this video, I'm breaking down: - Why $1,000 is no longer enough as a starter emergency fund - The new number I'm teaching (and why it works) - The 4 rules to protect your emergency fund - Exactly how to build it — step by step - Where to keep it so your money actually works for you RESOURCES MENTIONED: - High-Yield Savings Accounts (updated weekly): https://www.anthonyoneal.com/savings - Open Your Investment Account Today (updated weekly): https://www.anthonyoneal.com/invest - Download In The Black App: https://www.anthonyoneal.com/app ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial…

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