<iI don't disagree with you, but I am starting to wonder if someone could have too much e-fund.

I know that sounds crazy, but when I think about the main reason for an e-fund, which is unemployment, does someone run the risk of getting laxed in their job search or hunt for income if they are sitting on a big nest egg? Should one assume that the e-fund is their only source of revenue or should they have more of a plan in place to have income to at least supplement expenses while they try to make their e-fund last as long as they can? With a plan, they might make a three month e-fund last for six months or more, at the same time, not get used to watching Magnum PI reruns or Oprah.

I think it really has to do with the personality of the person... DH and I moved cross-country recently and had an efund. Before we even arrived at our new destination we were looking for jobs.

My girlfriend moved a few months later and knew she had to look for employment but pushed it out until she was totally out of money and in a panic state.

Had she looked for employment immediately upon arrival, she wouldn't have had several months of panic and wouldn't have depleted her efund.

Someone who saves for an 8 month efund isn't likely to be someone who flippantly spends money and is likely to be someone who will be constantly seeking employment.

C.