When people talk about emergency fund, what do you consider?

Good job, now you need to make these funds work harder for you

It will vary for individuals as different people has different committment. Generally, most people will target 6-12 months expenses. For me, I am trying to achieve 12 months of expenses + regularly setting aside another sum of fund together with my siblings as both of our parents are not covered by insurances, thus we need to buffer more!

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For me, I have 12 months of expenses ready to withdraw for emergency funds.

Personally 3 months