How much money do you need in reserve? 🤔

Why is saving necessary?

If you've read my articles on the frugal mindset, you know that I emphasize that our life depends on 4 factors:

• Luck
• The opportunities
• The unexpected
• Our work

👉 In finance, it's no different!

For example, it is possible that tomorrow:

• Your employer or your client stops paying you
• An accident can force you to spend significant sums on medical care
• A household appliance can be faulty and you urgently need to buy another one

👉 To avoid money problems, simply save for unexpected expenses!

On the other hand, how much money will you need to have in reserve for these unforeseen events? 🤔

How much savings are needed?

In reality, this question depends on future expenses that we cannot control. Indeed, no one knows the future.

👉 Therefore, there is no precise answer 😶.

No one can know how much we will have to spend on unforeseen expenses! They are ”unforeseen”.

➡️ On the other hand, the only factor that we can anticipate that depends solely on us. It is to save a significant reserve of money for these unforeseen events.

Saving, okay. But not too much?

⚠️ However, saving requires a balance 🔺

👉 Indeed, Having a lot of money in reserve is not the best solution either..

For what? Because our money reserve will be eaten up by inflation ⚠

For example, 100,000 CHF in a savings account today will most likely be worth less in 10 years 🤔

➡️ Therefore, it is necessary to find a balance between personal expenses, savings and investments!

🔺And this is where we have to be financial tightrope walkers!

👉 The art of investing our savings to the maximum while having enough money for unforeseen events 😉

Savings recommended according to the media and frugalists?

➡️ Most of the frugalists I've read suggest saving between ”3 to 6 months of monthly expenses” for the unexpected 🔺

That is to say, if you spend on average 3,000 CHF per month for example. You would need to have between 9,000 CHF and 18,000 CHF in reserve.

In another example, TF1 in an article offers at least 5 months' salary¹ .

➡️ SBased on my experience, I've decided to save for four months, using my average monthly expenses.

ÉSaving also means building projects ?

Saving can also pave the way for future projects.
For example, buying a house, financing studies, or even preparing for a comfortable retirement.

Life is always more motivating when you save for your personal projects.

Not to mention, good savings help reduce financial stress and improve our quality of life.

How much money do you need in reserve?

FAQ: How much money should I have in reserve?

Question	Answer
Why is saving necessary in 2026?	Saving is essential for dealing with unforeseen events (breakdowns, medical expenses, loss of income) and to 4 financial pillars : luck, opportunities, unexpected events, and work. Without financial reserve, These situations can become stressful or costly.
How much should one save for unexpected expenses in Switzerland?	There is no universal amount, but the wealth management experts recommend 3 to 6 months of current expenses. For example, if your monthly expenses are 3,000 CHF, aims 9,000 to 18,000 CHF of emergency fund.
What is the ideal emergency reserve according to frugalists?	THE frugalists And financial advisors suggest 3 to 6 months of expenses. Some media outlets (like TF1) offer 5 months' salary. In Switzerland, where the cost of living is high, a solid financial reserve is even more crucial.
What is your personal choice for your emergency reserve?	I opted for 4 months of average spending as precautionary savings. It's a financial balance which allows me to sleep soundly, while preventing my money from losing value because of inflation in Switzerland.
Should you save too much? What are the risks?	No, because inflation in 2026 reduces the value of your money. For example, 100,000 CHF on a classic savings account will be worth less in 10 years. Therefore, it is necessary finding a balance between precautionary savings, expenses And profitable investments.
How to protect your savings against inflation?	In investing a portion of your savings in return-generating assets : Global ETFs, Swiss stocks, rental property Or high-interest savings accounts. The goal is to grow your capital while maintaining a sufficient liquidity.
What is the purpose of savings besides covering unexpected expenses?	Saving allows you to fund projects : buying property in Switzerland, studies, early retirement (FIRE), Or trips. It also reduces the financial stress and improve your quality of life.

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How does this blog live?

Overall, this blog lives on sharing a frugal and minimalist lifestyle.

For a question of transparency towards the readers. All recommended products are in order to make life cheaper, simpler and to promote the essentials.

Basically, my only income with this blog comes:

• Trainings that I realize
• Promo codes for the products I use
• Donations that readers make in exchange for neutral information.

About me

I decided to create this blog to develop and help readers who are looking for a simpler and more economical life.

Compared to before, I was a person who consumed a lot until the day I realized that my consumption made me sadder and poorer 😑

Now I prefer the minimum of my needs to be happy and achieve my financial freedom.

Without realizingI started to focus on saving and investing to depend on a boss for as little time as possible and to speed up my personal projects.

For several years I have felt happy and I have become richer in a way that I would never have imagined given that I have an average salary in Switzerland.

It is for this purpose that I decided to create this blog. In order to share and learn with other people who seek freedom and simplicity 😉

Are you rather minimalist or frugal Jonny?

I am as minimalist as I am frugalist. However, there are situations where I lean more towards an art of life.

To conclude, I think the most important thing is to feel comfortable in your lifestyle 😊

How much money do you need in reserve?