ynab-emergency-fund-builder

name	ynab-emergency-fund-builder
description	Guides building an emergency fund from zero, or strengthening a thin one, with staged achievable milestones. Use when a user says "I have no emergency fund", "how much should I have saved for emergencies", "help me build a safety net", "I keep raiding savings for car repairs", or "where do I start with an emergency fund".
license	MIT
compatibility	Works standalone; optionally enriched with live goal/category data when the ynab-mcp MCP server is connected.
metadata	{"author":"auzroz","version":"1.0.0","mcp-server":"ynab-mcp"}

YNAB Emergency Fund Builder

What this does

Guides building an emergency fund from zero (or strengthening a thin one) using staged, achievable milestones rather than one intimidating target, and recommends naming specific potential emergencies as separate categories instead of one vague catch-all.

When to use this skill

• "I have no emergency fund"
• "How much should I have saved for emergencies?"
• "Help me build a safety net"
• "I keep raiding savings for car repairs"
• "Where do I start with an emergency fund?"

Should NOT trigger on: planned, recurring irregular costs already showing up in transaction history (use ynab-true-expenses), or allocating one lump sum across several priorities (use ynab-windfall-planner).

Workflow

Step 1: Set the staged milestones

Present the staged approach rather than one big number:

1. Starter fund: ~$500 — enough to absorb a small surprise without going into debt.
2. Intermediate: $1,000-2,000 — covers most common one-off emergencies.
3. Full buffer: 3-6 months of expenses (6-12 months if income is irregular — see ynab-irregular-income-planner).

Step 2: Name specific categories, not one catch-all

Recommend breaking "Emergency Fund" into a few named sub-categories tied to real, plausible emergencies (e.g. Car Repair, Tech Replacement, Medical) — this makes the fund feel concrete and makes it easier to say yes to a withdrawal when the specific thing it was for actually happens, rather than feeling like raiding a vague pile of savings.

Step 3 (if MCP-connected): Set it up

Call MCP tool: ynab_create_category — for each named emergency sub-category Call MCP tool: ynab_goal_progress — to track progress toward each stage Call MCP tool: ynab_category_balances — to check current funding level

Step 4: Suggest the funding mechanism

Recommend small automated weekly/monthly transfers as the base, with windfalls (see ynab-windfall-planner) as accelerants to jump between stages faster.

Output format

Current stage: [none / starter / intermediate / full buffer]
Next milestone: $X (currently at $Y)
Suggested categories: [Car Repair, Tech Replacement, Medical, ...]
Suggested monthly contribution: $Z to reach the next milestone in N months

Troubleshooting

MCP connection failed — proceed in coaching mode using amounts the user provides; note live category data isn't available this session.

Unauthorized / token expired — the YNAB connection needs re-authorization before categories can be created directly.

When the skill is NOT the right tool

• Known/recurring irregular costs (not true emergencies) — use ynab-true-expenses.
• Splitting a specific lump sum across several priorities — use ynab-windfall-planner.