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[quote=Freeman]You should also take your particular situation into account. My wife and I both work in completely different fields, so the odds of losing both incomes at the same time are extremely slim. Our goal is to have enough in savings to cover 4-6 months of expenses in that event. We also try to keep our expenses low enough so that the loss of one income, at least temporarily, wouldn't require us to dip into those savings. To the PP, it doesn't need to be a fully liquid account either, since you aren't going to need all six months at once. Ideally, you'll never touch the money, so you may as well have it somewhere that will generate some returns.[/quote]
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