[PrincessPerky]

IMO You could go with 'never enough' or you could realize that as DINKs, you have the unique opportunity to remain childless and live like SINKs (single income) without much sacrifice assuming neither of you works at walmart or the equivalent.

Not to mention no kids means no real need for many luxuries of life, so while I would aim to have a livable amount of money for 3-6 months, I would also be prepared to research major cost cutting. Childless you can go spend an hour or two at the library online..I would have the library staff in revolt at having to deal with my 2 year old that long! or if you are into sports and have to watch the big game, for the cost of a beer you can watch it at a sports bar, with company, kids are not welcome there. This doesn't mean it is preferable, just that it is easier to do should you need it. Though I may be weird.

though in the case of wanting to buy a house the EF changes, you have to have enough to cover several months payments of the house, not just your own cut down needs... meaning the size of the EF depends on the size of your mortgage.