Emergency fund in three tiers — starter, solid, sleep-well

A 6-beat faceless video outline for “Emergency fund in three tiers — starter, solid, sleep-well” in the Personal finance basics niche, derived from caption timing of 2 reference videos.

Angles

• Replace 'save 3–6 months' slogans with three named tiers viewers can finish
• Caption-backed emergency_fund / saving themes from the niche sample set
• One worked number per tier; avoid investing digressions
• Myth flip: emergency fund is boring cash, not a high-yield lecture

Beat-by-beat structure

1. Hook (0:00–0:30): a small shock bill; name the three tiers this episode defines.
2. Audience + scope (0:30–1:00): beginners rebuilding cash buffer; not investing advice.
3. Map (1:00–1:45): starter → solid → sleep-well, with dollar/month examples.
4. Core beats ×3: definition → one number example → where beginners slip → next action for that tier.
5. Portable checklist: where the money sits, when to refill, what does NOT count as the fund.
6. Recap + series tease (next: insurance vs fund) + disclaimer. Original narration only.

Method

yt-dlp VTT captions → timed beat heuristics → editorial topic synthesis (no ASR). Structure only; write original narration.