But I agree. Some funds to fall back on is critical. The amount is highly dependent on your situation and risk comfort level and can be argued back and forth but not having any puts you at the mercy of whatever your employer/manager decides. Or even you getting sick and unable to work for a while. And even if the former doesn't happen, the latter definitely will at some point.

Though I am reading some of these comments and wondering why they'd call losing a job an end-of-the-world scenario. I've always thought people on this forum are the type of working professionals that could afford to put away a few hundred dollars a month even if they're not on SV wages. Mind you, I am not talking about an amount of money to allow you to retire but just enough to get you going for a few months until you can figure something out. Even if married and with children. That just changes the math a little bit but not the approach. Is there something I am missing?