My spouse has been self-employed for years which means that we don't have benefits including vacation, holidays paid, etc. Our emergency fund is larger than most. Should he get injured on the job, we don't have workman's compensation or unemployment insurance to fall back upon. That's why I said each person's emergency fund is different. Also, if you don't have enough disability insurance or have a policy that requires a longer time to apply, you'll need funds to back you up. The emergency fund is about so many different concepts besides employment. Each change in your life requires a differrent look at your emergency fund.
So, when Sweeps raised it to 9 months, I understand why that post was written. There are those that probably should have 1 years worth of expenses.
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