I have 50k in emergency fund. Is it too much?

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How many mos of expenses?
What’s your annual income?
What’s your net worth?
How much do you have invested?

Hard to say if that’s too much without more info.

My perspective- if that’s what you need to feel comfortable, then no it’s not too much

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In this unpredictable pandemic world, having a bigger than usual emergency fund is a good thing. You never know what’s going to happen and it’s always good to have backup cash.

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Invest half, keep the other half. Why do you need 50k? Worst case scenario you’d need 3-4k per month, you should only keep 6 months (25k) and let the other 25k work for you in the market.

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You can’t give advice without knowing their expenses. If this person has $10k month of expenses then it’s not enough.

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If it covers 6-12 months you should be okay. Anything in excess can go to a mutual fund.

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