Emergency Fund
Cash set aside specifically to cover unexpected expenses or income loss, kept separate from everyday spending money.
Explanation
An emergency fund is money held in an easily accessible account (not invested) that exists only to absorb shocks, job loss, a medical bill, an urgent repair, without forcing you into debt. A common target is 3–6 months of essential expenses, built gradually with automatic transfers.
Example
If your essential monthly costs are 20,000,000 tomans, a 3-month emergency fund means keeping 60,000,000 tomans in a savings account you don't touch for anything but a genuine emergency.