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Joined: Jun 2016
Posts: 2,644
10 point
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10 point
Joined: Jun 2016
Posts: 2,644 |
Five percent might be generous.
Think about that: SIX months of complete living expenses - mortgage, food, utilities, vehicles, insurance, any other mortgages or bills (like college loans, the 48 acres you bought, etc.), whatever kids' stuff you have going on and your "Oh chit!" emergency money.
Six months of living expenses. Right now just do a rough calculation of your expenses and compare it to your savings that could be obtained immediately without penalty (like from a Roth or other fund).
Five percent of average folks might be generous. I'd say maybe 2 percent, although I hope you're right at 5 or more.
Yeah. It's going to be like $50K in cash (and sometimes much more) for 6 month's of living expenses for even some middle class folks We have disability at ~$4k a month which is a portion of my wife’s salary. I make a decent salary but we definitely rely on hers more. She also works with her hands so if she couldn’t operate for 6 months we’d be in trouble without an emergency fund (which we have). The disability doesn’t kick in for 3 months. But, we don’t have a car payment or a house payment either so we’re over protected…and I’m not complaining.
I hope we have once again reminded people that man is not free unless government is limited. There�s a clear cause and effect here that is as neat and predictable as a law of physics: as government expands, liberty contracts. � Ronald Reagan
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