How much emergency fund cash do you have?

[Anonymous]

I know you should have x months of living expenses, depends on what your expenses are, the rest of your financial situation, etc.

Just curious about the actual dollar number most people keep in cash/money market for emergency purposes.

[Anonymous]

$70K

[Anonymous]

You have $70,000 sitting in liquid cash?

[Anonymous]

15k

[Anonymous]

100k

[Anonymous]

30K, enough to live (carefully) for a year. Single, no kids.

[Anonymous]

$50k ish.

[Anonymous]

$90K. We probably could move some of this into less liquid investments but it feels good to know it's there.

[Anonymous]

$1000. My emergencies can't be fixed with money.

[Anonymous]

Anonymous wrote:You have $70,000 sitting in liquid cash?

It's mostly in a conservative Vanguard account making a decent return, but liquid. Part is in FDIC insured account, but I can't justify doing much since it makes so little interest.

The amount is based on an estimate of reasonable living expenses for X months if we were both to lose our jobs. We would also use it for medical emergencies, etc. We save separate amounts for house-related expenses/emergencies (e.g., replace furnace, etc.)

[Anonymous]

Not nearly enough. About $10K. After we sell our house and move to a lower COL area, we'll be able to bank some equity and feel much more secure.

[Anonymous]

I have a chunk in an internet savings account and then a larger chunk in ibonds (which are totally liquid after a year and just as easy to redeem into my bank account as the internet bank)

[Anonymous]

$300,000. My husband is commission based and I do not want to be caught off guard and have to liquidate savings.

[Anonymous]

I have $70K and it is sitting in my savings account, earning next to nothing.

Should I put it somewhere else? I want it immediately accessible. Where it is now, I can transfer it to checking with a few clicks.

[Anonymous]

Anonymous wrote:I know you should have x months of living expenses, depends on what your expenses are, the rest of your financial situation, etc.

Just curious about the actual dollar number most people keep in cash/money market for emergency purposes.

80k...we have 5 rentals so we need large cushions for repairs, etc...