>Oh yeah, I almost forgot to add this... I work for a >bank and have "almost immediate access" to
> emergency cash via a personal loan (should I ever >need it, knock on wood). I don't have hardly any
> liquid cash/cash investments though, as I have been >funding my retirement savings like a mad man.
> Should I rely on the bank to loan me emergency funds >(I'm planning on long term employment here)
> or should I save up the much talked about "six months >worth"???

Scenario: You lose your job. There goes your access to a personal loan at the same time as you need it.