I have less than "recommended" (depending on who you ask) in an emergency fund (but I do still have one). Why? I have a spouse with a large income and it is dou

I have less than "recommended" (depending on who you ask) in an emergency fund (but I do still have one). Why? I have a spouse with a large income and it is doubtful crisis will hit us both at once. I also can reduce my spending without a problem in the short term - most of my spending isn't fixed expenses it is experiences that can be curtailed very easily. Someone with a large mortgage may want to keep more in their emergency account - that's all I'm saying. Age has a lot to do with it also - if you are young you can ride out large dips in the market.