NEW YORK (AP) — Maybe your car broke down, your computer was stolen, or you had a surprise visit to urgent care. Emergencies are inevitable, but you can prepare to deal with them by building an emergency fund.

“There are so many things that happen in our lives that we don’t expect and most of them require financial means to overcome,” said Miklos Ringbauer, a certified public accountant.

The industry standard is to save three to six months of expenses in an emergency fund. However, this can feel daunting if you live paycheck to paycheck or if you have debt. But if you’re in either of these situations, it’s even more crucial to build a financial safety net that can help you in times of crisis.

“Emergency funds allow you to prevent further debt,” said Jaime Eckels, certified financial pla

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