Podcast Extra: How to Build a Recession-Ready Budget

Recession talk is back for 2026—it may not be in every headline, but the odds aren’t at zero percent. You need to be prepared for the scenario of a possible recession.Key Points Covered:

• Emergency Funds --- Start by building (or topping off) an emergency fund that covers three to six months of living expenses.
• Picking the Right Budgeting System – Whether old or new, using a budgeting system can help consolidate while keeping stress away.
• Configure your Financial Portfolio – Strategies to ensure your financial portfolio remains in a strong position.

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Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.