To think one would ever have three months savings in cash sounds insane to me. In the USA unexpected expenses (beyond monthly savings) can completely wipe a t

To think one would ever have three months savings in cash sounds insane to me. In the USA unexpected expenses (beyond monthly savings) can completely wipe a three month savings in a heartbeat. Add to that getting laid off during a recession and you’re in for real pain. I guess it’s just been 12 years since people ever had to deal with a bad economy.