--- title: "Meaning & Key Takeaway of: It may take you months or even a few…" description: "\"It may take you months or even a few years to build up an adequate emergency savings fund. That's okay.\" — Suze Orman" image: "https://sms4smile.com/quotes/i/6c3/suze-orman-1007_adequate_it-may-take-you-months-or-even-a-few-yea_2873175.png" --- # It may take you months or even a few years to build up an… ![“It may take you months or even a few years to build up an adequate emergency savings fund. That's okay.” quote by Suze Orman](https://sms4smile.com/quotes/i/6c3/suze-orman-1007_adequate_it-may-take-you-months-or-even-a-few-yea_2873175.png) [Download](https://sms4smile.com/quotes/i/6c3/suze-orman-1007_adequate_it-may-take-you-months-or-even-a-few-yea_2873175.png) [Open image](https://sms4smile.com/quotes/i/6c3/suze-orman-1007_adequate_it-may-take-you-months-or-even-a-few-yea_2873175.png) > “It may take you months or even a few years to build up an adequate emergency savings fund. That's okay.” [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Building an emergency fund takes time; patience is essential and progress is okay. **In simple terms:** Saving takes time, and that's fine. Key Takeaway Start small, stay consistent. Themes financial planning patience security Mood pragmatic encouraging Type advice motivational When to use this quote - monthly budgeting - salary planning - unexpected expenses - financial counseling Key Concepts compound interest budgeting risk mitigation Questions to Reflect On - What steps can you take today? - How will you adjust if income changes? A Different Perspective Inflation or emergencies may outpace savings. ★ ★ ★ ★ ★ No ratings yet [Emergency](https://sms4smile.com/quotes/about/emergency/) [Savings](https://sms4smile.com/quotes/about/savings/) ## Related quotes > [I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home…](https://sms4smile.com/quotes/suze-orman/i-get-so-frustrated-when-people-tell-me-it-s-unrealistic-to-create-an/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [It's unreasonable to expect people who scrape to get by to have emergency savings.](https://sms4smile.com/quotes/stephanie-land/it-s-unreasonable-to-expect-people-who-scrape-to-get-by-to-have/) [Stephanie Land](https://sms4smile.com/quotes/author/stephanie-land/) > [Never invest emergency savings in the stock market.](https://sms4smile.com/quotes/suze-orman/never-invest-emergency-savings-in-the-stock-market/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward…](https://sms4smile.com/quotes/suze-orman/your-goal-should-be-to-pay-off-your-credit-card-bills-in-full-at-the/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs…](https://sms4smile.com/quotes/suze-orman/money-you-know-you-need-or-want-to-spend-in-the-next-few-years-is/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment…](https://sms4smile.com/quotes/suze-orman/cash-in-savings-accounts-short-term-cds-or-money-market-deposits-is/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Women who have it all should try having nothing: I have no husband, no children, no real estate, no stocks, no bonds, no investments,…](https://sms4smile.com/quotes/elizabeth-wurtzel/women-who-have-it-all-should-try-having-nothing-i-have-no-husband-no/) [Elizabeth Wurtzel](https://sms4smile.com/quotes/author/elizabeth-wurtzel/) > [If you wait to see how much money you have left at the end of the month to put toward savings, the answer may…](https://sms4smile.com/quotes/suze-orman/if-you-wait-to-see-how-much-money-you-have-left-at-the-end-of-the/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into…](https://sms4smile.com/quotes/suze-orman/those-carrying-a-credit-card-balance-should-scale-back-to-making-the/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Find $50 a month for savings. No excuses!](https://sms4smile.com/quotes/suze-orman/find-50-a-month-for-savings-no-excuses/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Yes, your kids should go to school. No, you shouldn't bankroll their degree whatever the cost. You've spent your life creating a sound financial…](https://sms4smile.com/quotes/suze-orman/yes-your-kids-should-go-to-school-no-you-shouldn-t-bankroll-their/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [The way to build your savings is by spending less each month.](https://sms4smile.com/quotes/suze-orman/the-way-to-build-your-savings-is-by-spending-less-each-month/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [In case of emergency , Break Dance!](https://sms4smile.com/quotes/nikhil-saluja/in-case-of-emergency-break-dance/) [Nikhil Saluja](https://sms4smile.com/quotes/author/nikhil-saluja/) > [“HH14 - Emergency Meals”](https://sms4smile.com/quotes/benjamin-wilson/hh14-emergency-meals/) [Benjamin Wilson](https://sms4smile.com/quotes/author/benjamin-wilson/) > [Give me an impromptu 50-person guest list, a fold-out emergency trestle table and a pack of frozen vol-au-vent cases and, darlings, I will give…](https://sms4smile.com/quotes/grace-dent/give-me-an-impromptu-50-person-guest-list-a-fold-out-emergency/) [Grace Dent](https://sms4smile.com/quotes/author/grace-dent/) ## More by Suze Orman > [I've never believed unemployment numbers because the way that they calculate unemployment makes no sense whatsoever. It's not how many people are unemployed. It's…](https://sms4smile.com/quotes/suze-orman/i-ve-never-believed-unemployment-numbers-because-the-way-that-they/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Never invest emergency savings in the stock market.](https://sms4smile.com/quotes/suze-orman/never-invest-emergency-savings-in-the-stock-market/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Just because you can afford it doesn't mean you should buy it.](https://sms4smile.com/quotes/suze-orman/just-because-you-can-afford-it-doesn-t-mean-you-should-buy-it/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward…](https://sms4smile.com/quotes/suze-orman/your-goal-should-be-to-pay-off-your-credit-card-bills-in-full-at-the/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as…](https://sms4smile.com/quotes/suze-orman/consider-a-15-or-20-year-fixed-rate-mortgage-instead-of-a-30-year-if/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. I deserve to…](https://sms4smile.com/quotes/suze-orman/believing-you-are-worthy-of-love-means-that-you-believe-i-deserve-to/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [Women fake orgasms and men fake finances.](https://sms4smile.com/quotes/suze-orman/women-fake-orgasms-and-men-fake-finances/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [If you're not staying on top of your money, you are putting your financial well-being at risk.](https://sms4smile.com/quotes/suze-orman/if-you-re-not-staying-on-top-of-your-money-you-are-putting-your/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom](https://sms4smile.com/quotes/suze-orman/when-you-understand-that-your-self-worth-is-not-determined-by-your/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [ I think Oprah's \[winfrey\] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen… ](https://sms4smile.com/quotes/suze-orman/i-think-oprah-s-winfrey-learned-from-me-that-it-s-ok-to-be-harsh-on/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.](https://sms4smile.com/quotes/suze-orman/no-well-planned-retirement-should-be-without-long-term-care-insurance/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so…](https://sms4smile.com/quotes/suze-orman/the-chances-of-a-bank-going-out-of-business-are-extremely-slim-but-it/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) > [True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. 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