4 months savings is nothing in self-employment or for freelancing. A million things can happen that delay payment and sales coming in. A year to keep personal

4 months savings is nothing in self-employment or for freelancing. A million things can happen that delay payment and sales coming in. A year to keep personal and businesses cost running is a good and sane minimum that also keeps your mind from the worries you get when suddenly alteady 2,5 of these 4 months are gone and another expected positive sales/payment event didn’t happen for whatever, maybe accidental, reason. (Says a 10 year running freelancer who started with 12 months savings and currently runs on only 5 for some events in the past 2 years - but luckily with good project and customer base)