<prompt> Human: I have finally sorted out our finances after lurking here for about a year. I uses nYNAB. I have a emergency fund that will last us 2 months when: Hubby and I would lose our jobs at the same time, we would not get any assistance from our government and we would not change our spending pattern.. Well that is not a very likely scenario.. If hubby or I would lose our job we make about 5050 of our income we would receive 75 of our income for 3 months and after those months 70 for.. 3 -5 months to come not completely sure of the months. Our budget at the moment contains a 3 category fun, 11 buffer, 10 extra buffer still deciding where to put that, 5 forgot to budget for. Those are all usable to cut our budget without thinking. And after that, I budgeted 13 for grocerys since I love to use biological stuff, well no income that budget can decrease with about 5 with a bit of thinking and more with a lot of thinking..So my question is, how do you calculate how big your 6 months emergency fund needs to be?Edit - I dont ask so I can stop saving. I ask so I can change the location of my savings, like paying of my morgage or start with a pension like 401 K for US people I think for my husband, since his job doesnt have one..I dont like it to have a to large of an amount of money just sitting in an savings account acquiring a whole of 0,5 interest.  <response>: how do you calculate how big your 6 months emergency fund needs to be?By taking my monthly expenses and multiplying by 6 8, in my case. If it lasts longer due to cuts here and there then great. 