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That’s up to you. 3 to 6 months is standard, but I aim for as many months as my longest unemployment stretch.
Your emergency is to cover emergency that would put you in financial jeopardy or cause you to tap into retirement funds.
Job loss, prolonged unemployment, and nails in tires count as emergencies.
Silly question: how do you manage the scaffold timing? Stop auto pay? I’m just trying to really think through how to make all this deposits / transfers work efficiently.