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<<<Why do you recommend this large amount when most places I read, including here on the Fool ( at the start of "2. Your needs") recommend 3 to 6 months of living expenses? >>>

I look at this from an insurance stand point. Most of us, assuming younger workers, i.e, probably less than 50, are more likely to be disabled for an extended period of time than die. Most forms of disability insurance do not start paying until THREE TO SIX months.

Yes you could have other emergencies, totalled car, sickness, unexpected travel, etc., but what else would chew up your money like six months of disability? Anyway, from that viewpoint, seems like a good rule of thumb.

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