Is your emergency fund ready for the real financial crisis: stacked, non-stop inflation? A budget is not enough. The rising cost of living demands a new kind of preparation. We dismantle the "inflation illusion" and reveal the critical difference between looking financially stable and being genuinely, liquidly prepared.

Are there specific cash structures you need to survive volatility without panic? Howie Lim finds out from Walter de Oude, founder and CEO of Chocolate Finance.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

02:38 Building a cash buffer

06:31 How much cash to hold

11:14 Optimising returns safely

14:08 Breaking money inertia

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Howie Lim (howielim@sph.com.sg)

With Walter de Oude, founder and CEO, Chocolate Finance

Edited by: Howie Lim & Claressa Monteiro

Produced by: Howie Lim & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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