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Reply to "Do we really need an emergency fund?"
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[quote=Anonymous]Here is our situation: We both work full time in unionized jobs. Chances of either one of us losing our jobs are less than 1%. We both have life insurance and disability insurance. We have a small savings account (less than $10k) as well as $12k in investments and the money we have put away for retirement (also less than $10k each). Do we really need a six month emergency fund? I cannot think of any scenario in which we would need that much money.[/quote]
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