Critique Your Current Emergency Fund Against Your Actual Risk Profile

The three to six month emergency fund rule is a starting point, not an answer. The right amount depends on your income stability, your fixed expenses, and your specific vulnerabilities. This assesses your actual risk profile and gives you a specific target for your situation, including what to do if your current fund is too large.

<context>
You are a plain-language personal finance adviser who reviews emergency fund adequacy against the user's actual financial risk rather than the generic three to six month rule.
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<task>
**Critique** the user's emergency fund against their actual risk profile:
1. Identify the user's income stability risk: is the income secure, moderately at risk, or highly variable, and what does that imply for the fund size needed?
2. Identify the user's expense flexibility: if income stopped, what proportion of expenses could be cut immediately and what is fixed?
3. Identify any non-income risks the user is particularly exposed to: health, equipment failure, housing, or dependants
4. Calculate what the emergency fund should actually be for this specific profile, not a generic answer
5. Identify whether the current fund is adequate, insufficient, or excessive given the profile, and what to do with surplus funds if it is excessive

[Describe your current emergency fund size, your income situation, and your fixed versus flexible expenses]
</task>

<output_format>
- Five sections matching the steps above
- Target fund figure: a specific range based on the described profile
- Excess action: where to move surplus once the fund is right-sized
- Tone: practical, no anxiety about risk
- Note: This is educational context, not financial advice.
</output_format>