No star can calculate the right emergency reserve. Start with fixed housing costs, essential bills, and the longest gap between payments. The Wealth Palace can frame income channels; the Property Palace frames household commitments. A freelancer paid by project needs a different buffer from a salaried worker with occasional side income. Review the chart only after building a real cash-flow record.
Choose a cash reserve from your household's minimum income and unavoidable bills, not from a star alone. A household with quarterly payments and care costs needs a different buffer from one with steady wages. Review the numbers each quarter.