<prompt> Human: Hi fellow Redditors, just wanted to share this little gem with you real quick.I live in a country where weve just had 4 bank holidays. Normally, the salary should be paid every end of the month, meaning Marchs salary should have been paid in March. Apparently there was an error with our companys bank and the salary still hasnt been paid out yet.Almost all of my colleagues are freaking out how theyre supposed to pay their bills now and how their balances are now negative and everyone is super angry.Meanwhile Im sitting here with enough money saved from my last salaries that Im super chill and would survive at least 3 more months without payment.Not having to worry on how to cover basic expanses can be really good for your mental health.I should mention that Im not talking about a minimum-wage job but were all earning quite a nice salary and besaid colleagues really just like to spend too much.So thank you personal finance for teaching me the importance of a rainy day fund, Im now trying to grow it more until I have 1 years expenses covered :  <response>: Hurrah! Great news - I used to dream of the month when I didnt have to worry at the end of the month about money for food. Now I dream of the day when I dont have to worry about not getting paid for a month and we would still be able to survive. Thats my next target - to save enough that if one of us didnt get paid we could still pay the rent and bills and eat. Its a long slog with so little disposable income for saving, and still being stuck in an overdraft. But clearing that on a permanent basis is another target we are heading for! After that, my next target is if both of us dont get paid can we survive a month. Then, extending my target from one month to two months, 2 to 3, and so on, until we reach the 6 month target. Little steps to making a difference. : Thanks PF! 