<prompt> Human: I live at home with my parents, so my only bills are my car lease, insurance, gas, and food. With recommendation after reading this sub, Ive saved up 6 months worth of expenses. 1 year if I include the money I have saved up for a trip to Japan at the end of the year.With that said, how many months of savings do you guys have and feel comfortable with?  <response>: The rule of thumb is to have 6 months savings in an easily accessible account before you start investing for the long term. I keep only 3 months living expenses savings because in the San Francisco area that is a lot of money, I have good job security, and I have long term investments that I could sell in a catastrophe. 