> I have more than a couple years worth of savings. You seem to be quite well placed. However, as yourself a few questions. How liquid are those savings? I.e.

> I have more than a couple years worth of savings. You seem to be quite well placed. However, as yourself a few questions. How liquid are those savings? I.e., how fast can you pull those savings into bank account, if needed. Where all have you saved them? Equity, debt etc. And for each of those asset classes how vulnerable are your savings? Assume stock markets were to go down by 30%, how will that impact your savings? Post 2008 major financial institutions and banks were required to periodically conduct stress test simulations and publish results. I suggest you do the same for your situation. Run a few scenarios, maybe even a worst case. Whatever you believe is going to be the worst case.