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"changelog": "- Initial release of \"Emergency Fund Builder\": a step-by-step protocol for building an emergency savings buffer from zero.\n- Interactive calculator to determine real monthly essential expenses and set starter, full, and secure savings targets.\n- Detailed guidance to find available funds by auditing subscriptions, adjusting food spending, reviewing phone plans, and identifying occasional income sources.\n- Account selection framework: emphasizes FDIC\/NCUA insurance, no fees, ease of access, and how to compare high-yield savings options.\n- Specific instructions for automating monthly transfers and protecting the emergency fund from accidental spending.\n- Includes credible sources for all guidance.",
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