Quote:
Originally Posted by tripods68
We have not fully fund our EF only 2 months worth so far without SDI. Our goal is $36K EF (6 months) we got $12K saved so far. But we will continue building it after christmas. In any event, both of us have short term disability insurance to cover 55% of our monthly expenses which stretches our EF to 9-10 months. That's still better than most.
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Are you basing your EF on expenses or income? 6k is a lot of expenses. I have my survival expenses to 2k a month. We have reached our 12k EF that covers 6 months for us. 36k will be an outstanding EF.