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Fat times because that’s what I want the option of maintaining if hard times hit
Pro
I personally did mine on what I currently spend each month normally x6. In the event I lost my job I would cut back and not spend “normally” but I wanted to have that ability and a little extra cushion
This is the right answer here. I want that flexibility so I can pivot when I truly need to.
It's based on your expenses.
In theory it’s based on necessities, but if you don’t think you can cut back in hard times, do normal spending
Based on my monthly salary in hand.