<prompt> Human: Right now I have 6 months of expenses in my emergency fund or about 2 months of salary. I always see post recommending 6 months to a year saved but I am unsure if that is salary or expenses.  <response>: Its expenses, not total salary. Consider that if you lose your job one of the primary use cases for an emergency fund, you only have to make up the difference in your expenses, not your total salary, since presumably part of your salary goes toward savings and other things that can be suspended while you are actively usingreplenishing your emergency fund.With that said, if you dont feel as though your emergency fund is big enough, feel free to increase it. An emergency fund is supposed to help you sleep at night so to speak; it does you no good to be worried about whether youd be able to weather a 6-month stretch of unemployment. Also, if there are other potential emergency expenses you can foresee occurring that would cost more than six months of expenses, that would be another valid reason to increase the size of your emergency fund; for instance, if your health insurance deductible is more than six months of regular expenses, you should consider increasing the size of your emergency fund so that you could pay the deductible assuming you dont have an FSA or HSA already. 