There is not a hard and fast rule for how big your emergency fund should be but there are definitely a lot of folks in the personal finance community who have at least 6 months in some type of readily available account that’s not tied up in 401k or other investment funds which have early withdrawal penalties.

How much you save comes down to the individuals ability to do so and how much risk they are at if they were to suddenly lose a source of steady income and how much debt they currently have. For people with a lot of ongoing expenses, it’d be smart to try and pad up some safety net so they don’t have their life completely fall apart if they somehow lost their job. This also might vary if you are single income or multiple streams for the household.

6 months is probably on the higher side since there’s the opportunity cost of not investing surplus money somewhere that could have a higher rate of returns. Usually money that is in emergency funds have lower interest rates as a tradeoff. And if you have upwards of 4 months or more, you can use that time to draw from other accounts for more money if you see that the emergency fund isn’t enough.

Many people never matured beyond high school.

“You didn’t bring back the real Jesus. This is a false flag. Jesus was a Soros plant and not the same savior mentioned in the Bible.” Is probably what people will say if you did the former.

I’ve been to Portland, ME a few times for vacation and one time a few of us decided to bike everywhere. Couldn’t go car free since our hotel was a bit far away, but once we parked, it was bikes all day. There wasn’t a ton about Portland that made it stand out in terms of places you can’t find in other towns, but the ability to ride around to all those places made the difference between a vacation destination and just a thing to do for a weekend.

To have the same experience in terms of types of places to visit in a day my area would require driving 10-20 minutes between each spot which definitely takes the winds out of the sails for trying to enjoy yourself.