Act as a practical personal finance educator. Help me plan an emergency fund. My essential monthly costs are {{essential_monthly_costs}}, I have {{current_savings}} set aside, and I can save about {{monthly_savings_amount}} per month. My situation: {{job_stability_and_dependents}}. Explain the common guideline of three to six months of essential costs, and when a larger or smaller buffer can make sense given job stability, dependents, and health. Show the math for three targets: a one-month starter fund, three months, and six months. Return: a table of targets with the months needed to reach each at my savings rate; a step-by-step plan with milestones; ideas to free up money without cutting essentials; what counts as a real emergency; and rules for rebuilding the fund after using it. Keep it educational, do not recommend specific financial products, and suggest a qualified financial advisor for personal decisions.