I apologize for saying simple math in a kind of an “absolute” way but I meant it in a “math” sense that I know my expenses and as well how long of a “cushion” I need to feel like I can FU out of a bad situation (or if get into a bad situation beyond my control). I also know my known expenses are just that - known expenses but of course there is always the unknown. But I am guessing adults could ballpark a figure that will get them through X number of months