> I think one of the disconnections here is that you are talking about extra cash (over what you currently earn), whereas rgbrenner (and probably others) are ta

> I think one of the disconnections here is that you are talking about extra cash (over what you currently earn), whereas rgbrenner (and probably others) are talking about all income. Agreed. > And I think they have a point: $100k is a lot of money, but what if you got sick and couldn't work anymore, ever? That's a fair point. I don't really worry too much about getting sick and never being able to work again ever. I think some of this comes down to the level of risk that each individual is content to live with. If I had children or a family, perhaps I would be a lot more worried.