That being said, I think there’s something to finding the right balance where you have enough stashed that’s cold hard cash and the rest invested elsewhere so you’re not totally missing out, but you can also sleep better at night. And if you’re in a relationship and/or have kids, that also plays a pretty important factor as well :) I’m way more riskier than my wife, so she helps me be more conservative while I help her calm her nerves a bit.. Or at least I try to do that!

So no – I’m not comfortable having $0 in liquid savings, but at the same time I don’t need $100,000 either. And it fluctuates over time depending on phases as well.

Never :)

And from the little I know about your finances, they are hot $hit my friend! You gotta be proud about that!

Better that you’re checking out $$ blogs than other types of blogs then :)

I hope you’re feeling all good now! :)

Hah, true that.

Though I guess even saving for retirement is saving for something, eh? Though a much sexier something? :)

I’ll hold you to that :)

It’s a beautiful thing, isn’t it?

DO IT!!!

Hah – indeed! Pretty incredible about all that cash y’all have been able to save up!

Yeah – no universal answer for a “fully stocked emergency fund” for sure… We’ve considered ours full at $5,000 over the years, and then other time $50,000. We pretty much go with what makes us feel *comfortable* vs a specific #. And currently we’re not as comfortable as we’d like :)