The e-fund concept changed for us in retirement. We no longer need to concern ourselves with losing income...she sez with a wary eye on potential cuts to Social Security, the lion's share of our retirement income :-/ I no longer think of my e-fund as covering regular living expenses. It's now for major insurance deductibles, major work on the house, and the biggest potential expense: uncovered health care expenses (such as hearing aids, assisted living/nursing home/aides needed in the home).
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