Does the monthly money u give to ur parents count as expenses, and should that be counted into your 3-6 months of expenses of rainy day funds?

Hi anon,

Yes I do count that in as part of my rainy day funds, even more so if they are my dependents.

Yes, I treat it as a fixed expense in planning my cashflow. Herer is a guide on understanding our cashflow for the purpose of differentiating between a fixed expense and a variable expense: https://www.blog.pzl.sg/understanding-your-personal-cash-flow/

Here is everything about me and what I do best.

I would. Even if something happens to me, I still want to be able to keep up my responsibilities of supprting my family, including allowance to parents.