Emergency Fund Calculator

heading and then markdown article 700-1000 words.

We need to write article with ## and ### headings. Explain formula or method in words (and as a simple inline formula where it helps), give 2 worked examples with real US numbers, list common mistakes, and add a short "How to use the tool above" step list.

Also include internal links: free Moyan AI account and AI Tool Lab. Mention Moyan AI at most twice.

We must include exactly those internal links woven into sentences (markdown, relative paths). So we need to embed them somewhere in article. Probably one sentence each.

We need to avoid "Conclusion" heading and not repeat tool title as a heading.

We need to include one short plain sentence that results are