Section outline

  • Emergency Planning & Protection 🛡️👩‍⚕️

    Life is unpredictable. Whether it’s a job loss, sudden illness, or caring for a family member — unexpected expenses hit hard. For working women, having a backup plan brings peace of mind, not panic. This section shows how to build that protection step-by-step.

    • 🔹 Your Emergency Fund – Your First Line of Defense

      • 💸 Save at least 3–6 months of basic expenses (rent, groceries, bills, EMI)
      • 🏦 Keep it in a separate savings account or liquid fund (not your regular account)
      • 📆 Build it slowly: ₹1000–2000/month adds up quickly with consistency

      Think of it as your “income buffer” — even if you lose your job, you won’t lose your calm.

    • 🔹 Health & Life Insurance – Don’t Ignore It

      • 🏥 Health Insurance: Get your own policy (not just employer’s) — especially if you may take a break
      • 👨‍👩‍👧‍👦 Life Insurance: Term plan is best — pure protection, not investment
      • 🧾 Check coverage amount, claim history, hospital tie-ups

    • 🔹 What to Do If You Take a Break (Maternity, Caregiving, etc.)

      • 📋 Plan expenses 6–12 months in advance
      • 💡 Freeze big spends (new gadgets, vacation, etc.) before break
      • 💪 Stay insured — most plans allow continued coverage during career breaks

      🌼 Final Thought

      Security is not fear. It’s freedom. When your basics are covered, you can take bold steps — new job, business, sabbatical — without worrying about “what ifs.” Protect yourself today to move with power tomorrow. 🛡️✨