 Financial News Get smarter about your money with this Financial Wellness Minute. I'm Vic Dale from MidMinnesota Federal Credit Union. Often, individuals apologize for asking what they feel are dumb questions. There are no dumb questions. We are here to help. Here are just a few common questions we get. How can I start building my emergency fund? Set a target amount to cover three months of expenses to start. Set up an auto deposit to a separate savings account from your paycheck until you reach your goal.