My situation: [job,
dependents, costs,
savings]. How many
months should I hold,
where to keep it, when
to stop adding to it.

Work Out My Emergency Fund

Enough to sleep at night, not so much it stops working.

Prompt

My situation: [job stability, dependents, monthly costs, existing savings]. Help me reason about how many months of expenses I should hold, where to keep it, and when saving more stops being the best use of the money.