The bank account buffer is a [[Personal Finance]] tool for avoiding unexpected charges or fees. This is a buffer in a checking account that stores a certain amount of money. You are essentially protecting your bank account a certain [[Percents|Percent]] of the time from overdrafting. It offers some financial security. It's a "in case I mess up" fund, essentially. It's not an [[Emergency Fund]], it sits in the checking account and covers ill-timed purchases, and prevents fees. It's sole purpose is to raise the amount of money in the checking account to cover these cases, not be spent from unless absolutely needed. You can leverage the [[Financial Automation]] tactic of ensuring that more money is saved for this "Spending category" per month. Corwin McKnight, that's my name! ## Sizing Greater of: - Between $500 and $1,000 _or_ - _At least_ one week’s take-home pay and _up to_ two weeks’ take-home pay