Allie Howard

speaker

13,646 appearances 144 recordings 1 series first heard Dec 2024 last heard 7 Aug

Allie Howard’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 70 in all, peaking in Oct 2025 with 11.

Appearances

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DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing · Building Your Financial Buffers · 7 Aug 2026 podcast

And then if it ever goes negative, like let's say I've spent twelve hundred dollars, then I might pull from savings because I'm spending more than I had budgeted here to date. voice-verified

I'm still voice-verified

Yeah to date. voice-verified

So it's not the best system in the world. voice-verified

I think as long as you're keeping track of what you're spending voice-verified

spending and setting aside something monthly, you're doing way better than most people. voice-verified

You're doing voice-verified

But for me, the like move it here, move it there, move it here, move it there was miserable. voice-verified

Yeah. voice-verified

And so I scrapped that idea. voice-verified

So we talk about thousand dollars fast cash, we talk about making sure you're setting aside for those big expenses, and then we've gotta come back to okay, now let's make sure we have that emergency fund. voice-verified

Like we didn't just set ourselves up for a little bit of protection here and there, but we're ready for some of those bigger H VAC units or roofs or total your car or whatever it might be that come up from time to time. voice-verified

So what's interesting about this is we get the question voice-verified

all the time, how much do I need? voice-verified

And I kind of hate that question because there are rules of thumbs, right? voice-verified

Like we say three to six months, but it's so situational. voice-verified

So for me, mine is three months because I'm single, I don't have any dependents, I, you know, feel pretty confident if I lost my job. voice-verified

I can scrape by and decrease my expenses for a bit and hopefully find another job soon. voice-verified

I also have family close by, so if there was something catastrophic that happened in my life, there would always be an opportunity for them to help out. voice-verified

And so it just doesn't seem like a need. voice-verified

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