<prompt> Human: Hi PF,I am thinking about this 3 months income rule for an emergency fund and I just cant help but think it is a dated concept.Can you please tell me the pitfalls of this alternative, to help make this decision:Full Disclosure: I have pretty damn good credit...I just churn credit cards for travel rewards points and use 2 cards with 0 interest with minimum monthly payment. The first card has a 7,000 limit and I pay it off every month in full... The second card has a 15,000 limit and I dont touch it... I offset these cards so that the 0 APR is staggered by 6 months and this gives me way more than 3x monthly salary available should any emergencies arise. When the 0 promotional interest period expires... I simply close the card and open a new one.In my opinion, having liquid cash to cover an emergency is not making your money work for you Since savings accounts gain ridiculously low amounts of interest...The only drawback to this plan is that a mortgage cannot be paid with Credit... Are there any other disadvantages?TL:DR - Instead of having 3 months savings in cash, I utilize alternating 0 credit cards and am looking for disadvantages to this method for an emergency fund.  <response>: Credit can be reduced or revoked entirely at any time. 