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4 | r e d f c u.o r g A fully funded emergency savings account has a balance that covers three to six months' worth of expenses in case of unexpected, unfortunate circumstances. But what happens after your account has taken a hit? It's time for a refresh! Even if you haven't dug into your savings recently, now's a good time to bolster it due to: › Rising everyday costs – A recent study indicates 78% of consumers say inf lation is impacting their personal finances. › Changes in income, expenses, or family – If your household income may go down, your expenses may go up, or your family size may change, you've got a good reason to build or rebuild your emergency fund. › Job market or economic uncertainty – Consider the well-known Scout motto: "Be prepared." A foundation of solid savings ensures you're ready for whatever comes. Here are signs your fund needs attention: › You've used part of it. Time to build it back up! › Your expenses have increased. Many people are noticing increased prices at grocery stores especially, and the Economic Research Service forecasts that prices for "all food" are predicted to increase 2.9% in 2026. › Your savings are in the wrong account. Could your savings be working harder for you? 43% of Americans don't know their savings interest rate. If you're unsure, find out and see if a different account would do more for your earnings. › You rely on credit for surprises. As an alternative, you could "borrow" from an emergency fund. is strategy keeps you from paying interest. Bankrate's 2026 Emergency Savings Report indicates that 60% of Americans are "uncomfortable" with their level of emergency savings. If that's you, talk to Redstone about our variety of account options to help you reach your savings goals. REFRESH YOUR EMERGENCY FUND