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Reply to "Does having two incomes affect how much you have in an emergency fund?"
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[quote=Freeman]I would look at it from the other direction. Can you cover all of your necessary bills on just one income? If so, and you think the odds of losing both incomes are low enough, then you can take that into account when deciding on a comfortable amount for your fund.(This is actually my situation, since my wife and I make similar amounts, but are in entirely different career fields.) That does only cover the case of job loss though, and you also have to take into account unexpected expenses that could be unrelated to work and income. So yes, it can affect the formula, but it shouldn't be the only deciding factor.[/quote]
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