<prompt> Human: Hi PF,Ill preface this with me saying that Ive read the information on the sidebar about emergency funds. Also, im 22 years old and just graduated college with 30k in student loans and have been in my full time job for about 2 months, making 58kyr Im looking to figure out how much I should include in my Emergency fund. Looking at my budget, I could eliminate unnecessary spending and live on about 1600mo, and this doesnt include eliminating my gym membership, internet, haircut, or cutting back on groceries, so I could go even lower. Therefore, if I put 4 months of expenses in an Emergency fund Id have 6400. Im wondering if this seems small ? I have a very secure job and if I were to lose it Im in a high demand field, so it wouldnt be expenses while job hunting thats my concern, but more worried about any out-of-no where expenses that would exceed this amount. The amount would be enough to cover any deductibles on my insurance, but as someone who hasnt been on their own for very long I just dont know how risky it is to keep such a little amount in my emergency fund. Is this amount too small in your opinion? If you wouldnt mind sharing Id like to know how much anyone keeps in their emergency fund and why. Thanks in advance ! Assistant: It really depends on your own level of comfort. There is no set rule. If your industry is as stable as you say it is, then I see no issue with the amount you have listed.Human: I suppose Im just trying to figure out my comfort level. Its not my job im worried about but more unexpected major expenses. Id think Id be fine since I cant really think of any 6.5k sudden expenses, but like I said Im new to being on my own.  <response>: Car deductible, health insurance deductible, lose your job, family emergency you have to travel home for. Make sure all of that is covered. Id account for 2 or 3 of those things happening at once being possible. 