I’m looking for a seasoned personal-finance expert to map out a realistic strategy that will let me build a proper emergency fund. The core of the engagement is financial planning with a sharp focus on saving: I need a clear, step-by-step framework that shows exactly how much I should set aside each month, where that money should live (high-yield account, money-market fund, etc.), and what discretionary expenses I can trim without turning my lifestyle upside down. Here’s what the finished work should give me: • A snapshot of my current cash-flow, broken down into fixed, variable, and “nice-to-have” categories • A savings schedule that gets an emergency fund of three-to-six months’ living expenses in place within a realistic timeframe • Recommendations on the best savings vehicles and any automation tactics (automatic transfers, envelope-style budgeting, popular apps, Excel or Google Sheets templates) that make sticking to the plan fool-proof • Simple performance checkpoints so I can see whether I’m on pace each quarter and know when to adjust I’ll supply the raw numbers on income, bills, and existing balances as soon as we start. What I need back is a concise, actionable plan I can follow immediately—ideally accompanied by a spreadsheet or app setup I can maintain on my own.