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I used to have about 8 months worth of current slaary in the market. That would be about 3.5 months now. I don't think it's a choice for all, though it is true that many people live beyond their means. I also had (have) a home equity line of credit, which provided a huge cushion, but no more....I am not permitted to draw on it (it was a sort of emergency fund for me) anymore.
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