<prompt> Human: Hey guys, Im just curious about how many months you could cover using your emergency fund. From the FAQ: For most people, 3 to 6 months of expenses is good. A larger emergency fund e.g., 9 to 12 months may be warranted if your income is variable or uncertain. I recently met with a Fidelity guy who stopped by our office - I had always heard 3 to 6 months, so when I told him I had 7 months expenses saved up I thought I was good. He said he has been recommending 10 to 12 months ever since the 2008 crisis, even though jobs at my company are very stable - not variable or uncertain at all. Just wondering how you all feel about this, and how much you keep readily available.  <response>: My efund is a years worth of expenses which is probably more than it needs to be but if I lost my job I would also lose my housing, so would need moving expenses as well. Better to be safe than sorry. 