<prompt> Human: Was just thinking of this the other day while looking at my budget and thought Id get some input. My background: been out of college about a year making 60k with a stable job even if I leaveget fired Im fairly confident I can get a new job after a few months and living with parents, no debt. In the next year or so I plan on moving out completely out of state and living on my own.Currently I have around 10k as an emergency fund I just used hypothetical 6 month expenses since I live at home. Lets say I was moved out and I suddenly find myself out of a job. Even under these circumstances is an emergency fund of that size really necessary? It seems like a lot of money sitting around doing nothing. Assuming I lived out on my own, would it be reasonable for me to cut that emergency fund in half and use the rest to fund other investments? Or will I not be able to say for certain how much I need saved until I actually start living on my own. Or is this totally just a personal comfort level issue...  <response>: I am from the UK so my circumstances widely differ from you. I am from a DINK household with 1 car that is used at most once a week, but is by no means necessary. Used cars are also much less expensive here. Also since healthcare is covered no deductibles really by both NHS and our private medical providers we dont have to apportion for that. The worst case scenario is that we both lose our jobs and the house has some plumbing issue and roofing issue simultaneously. But given the nature of our work and UK workers rights we wont really be let go ASAP. Her contract has a 3 month lead time and mine is a month unless we do something particularly heinous. That gives us plenty of time to figure out finances if that is the case. Also she invests into her companys ESSP where they garnish a of her monthly wage for a discount on company stock in 6 month intervals. We can call in that cash at pretty much any time and within a few weeks itll be in the bank account 6 months in would be around 7.5k USD. Using all of this knowledge, were very comfortable maintaining a low emergency fund. To the tune of 2 months worth of expenses. That being said, we have much more sitting in accounts at the moment to bankroll housing expenditures just bought a few months back and pay off loans. Its all very individualistic. If I was in the States and I HAD to have a to do anything I would definitely be on the conservative side of 6 months. But here things are a bit more secure for us. 