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[quote=Anonymous]Our baseline is our immediate emergency fund. It was 6k, and would sometimes be up or down depending. As high as 10k if we have built it up for Christmas etc, as low at 3-4K, if we just paid student loans and mortgage and one big expense. However, we went ‘over’ our budget a few months in a row, and incoming payments were less... so lately our baseline is about 3k, getting down not much further than that. And rising to 7k at times. [/quote]
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