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[quote=Anonymous]That amount seems high, but there are many factors to consider.

How stable is your job?  Would it be hard to find another one if you were laid off? Do you support other family members (spouse, kids)?  Are you the only earner?  These might support a large emergency fund.

How old are you?  Are you far from retirement?  We have about the same amount in cash or near cash, but are close to retirement. I would like to fund the first couple years without using retirement accounts.

What is your NW and total investments?  What is your asset allocation?  Is it all stock?  If it is all stock, more cash might be reasonable. But you do need to make sure you have enough of your money working for you, growing above inflation.

Do you have any big purchases coming up in next 5 years or do?  A home, car, college? You might want cash for that.

Also, what interest rate are you getting?  I buy T-bills so no state tax on earnings (and can sell if necessary). I keep a smaller amount in HYSA—you need to watch those rates since they can change over time.

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