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Reply to "Tell me about your emergency fund"
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[quote=Anonymous][quote=Anonymous]We have ~100k in an online savings account. It is from an inheritance. It would cover at least 12 months of no income coming in at all. Other than that emergency cushion, we live pretty much paycheck to paycheck. God, we need to stop spending so much on stupid shit.[/quote] +1. Our 100k is not from an inheritance but partly from taking some of the cash value from a very large insurance policy. We felt we needed to fortify our savings in the event of a financial crisis and light of the recent government shutdown. We also paid off substantial credit card debt which prevented us from saving more. Even with the 100K in savings, I still don't feel secure because life is so unpredictable but at least we have a cushion and I am grateful and sleep better at night. We upgraded all our appliances and HVAC system a few years to alleviate any unexpected household expenses given the fact that we are paying private school tuition for our kids. [/quote]
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