A financial cushion or emergency fund is the money that you are advised to have in reserve to deal with unexpected expenses such as a car breakdown, a change of appliances, or any other unplanned expense.
The purpose of the financial cushion is to be able to deal with these unforeseen events without having to get into debt or having to sell part of your investments at a bad time in the market.
Most experts recommend adding three to six months of fixed expenses as a financial cushion.
Here you can see how to create your emergency fund.