Not a fixed number. It depends on job stability, dependents, and insurance coverage.
Start with a $1,000 starter fund before paying down debt aggressively, then build to 3-6 months of essential expenses (6-12 months for less stable income).
I built a free calculator that helps you personalize your target based on employment type, dependents, and insurance: https://vextorcapital.com/tools/emergency-fund-calculator
Where do you keep yours — high-yield savings, money market, T-bills?
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