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and the difference between those two could likely be the difference beween having an 8 month efund and a 3 month efund - depending on how often one dines out, goes to movies, buys clothes, gets haircuts, goes to Starbucks...

Personally, I have viewed it as living exactly like we do without changing our lifestyle. I usually have a minimum 6 months on hand but usually more. I'm over 12 months right now. If I were to cut back on the extras, I could extend it a lot longer because I have a bunch I could cut. Actually, if it was just me to lose my job in our two income household, I wouldn't need to go back to work if we tightened the belt.

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