If you only have 10k€ in the bank and not a second "survival" account with around 10k€ then this should be your backup fund. Make the money as easily assessible

If you only have 10k€ in the bank and not a second "survival" account with around 10k€ then this should be your backup fund. Make the money as easily assessible as possible. It should be at least 3 months of expenses, and I personally spend less than 10k in 3 months but still have that goal.