Your finances are a lot like your physical health. Both require discipline, perseverance and focus to ensure fitness. But while these goals might sound a bit difficult, it’s important to remember that working hard at both your physical and your financial health will help ensure a positive payoff.

An important part of keeping financially fit is having a solid emergency fund. Many experts recommend that your emergency fund contain enough to cover at least three months’ worth of expenses. But with nearly a quarter of American households with incomes between $100,000 and $150,000 saying it would be difficult to come up with $2,000, it sounds like not enough of us are saving.

We want to hear about your emergency fund. Tell us in the comments, or leave us a message on Facebook or Twitter. We’ll follow up in a few weeks and take a look at various strategies our community members are using to ensure they’re always in good financial shape.

How did you build your emergency fund? If you don’t have one, will you building one sometime in 2012?