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The "3-6 Months" Rule Isn't Wrong — It's Just Answering the Wrong Question
6/12/2026
The standard emergency fund advice has survived for decades because it's directionally correct: having a cash buffer is better than not having one. But "3-6 months of expenses" is a range so wide it's almost meaningless. Three months is 50% less than six months. For most househol…
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