Set an emergency fund target and a plan to reach it

Help me figure out how big my emergency fund should be and how to build it. My essential monthly costs: [housing, utilities, food, transport, insurance, minimum debt payments] Household: [e.g. "single, no kids", "two adults, one income, two kids"] Job stability: [e.g. "steady salaried job", "contract work", "seasonal", "self-employed"] Current savings: [AMOUNT] Amount I can realistically save each month: [AMOUNT, or "not sure"] Other safety nets: [partner's income, family help, severance, none] High-interest debt: [balances and rates, or "none"] Give me: 1. A starter target (a small first milestone) and a full target in months of essential costs, with a short explanation of why that range fits my situation. 2. How to balance saving against paying down any high-interest debt I listed. 3. A month-by-month timeline to each milestone at my savings rate, plus a faster option if I can find extra money. 4. 5 practical ways to free up or find extra cash for the fund, matched to my costs. 5. Where to keep the money: what features matter (easy access, separate from spending, insured deposits) without naming specific banks. 6. A short "what counts as an emergency" list and a rule for refilling the fund after I use it. Keep it encouraging and concrete. Use my numbers only; mark gaps as [ADD]. This is general information, not personal financial advice.