<prompt> Human: Our emergency savings is currently built on three months worth of bills. Id like to build it up to six, and eventually twelve. My husband and I are both veterans, and make close to 3000 a month in disability benefits through the VA. Im a stay at home mom. My husband works full time and is our sole taxable income. Should our emergency savings goal amount be based on losing ALL possible income, job and disability included? Or can I assume that the 3000 will always be steady and just save for what that 3000mo wouldnt cover?  <response>: Well I mean, with disability benefits, thats not exactly something which is incredibly easy to take away. Given that its steady I do not think its the worst idea to play your e-fund with that as the additional. 