<prompt> Human: I still need to actually calculate 6 months of expenses but once I know, I can work towards it. Have had 12 months of unemployment in the last 20 months, and finally got a job last week. Had to eat through my retirement savings early I know I know, no pms about that please mainly because I never had an emergency fund in the first place. Hopefully will post again in a year or so when I have my emergency fund properly build up.  <response>: Congrats on the new job and getting that emergency fund started...thats a big first step! Keep it up. 