Figure out how much physical cash to keep on hand for emergencies (when cards, ATMs, and banking apps may not work) — and in what denominations.
Standard householdRural / limited banking access nearbyHigh disaster-risk region
$0
Recommended Cash Reserve
💰 Suggested Denomination Mix
💡 Keep mostly small bills ($1, $5, $10, $20) — during real disruptions, merchants often can't make change for large bills, and $100s can draw unwanted attention.