Size the emergency fund you need in New Jersey from monthly expenses.
Emergency-fund sizing in New Jersey: most advisers suggest 3–6 months of essential expenses, more if income is variable. Keep it in an accessible account.
Target
Target = monthly expenses × months
Guidance only.
A high-yield savings or money-market account keeps it liquid while earning something.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.