There’s also a difference in how old you are and if you have a family. When you have four years of junior-level savings, the prospect of having no income is ver

There’s also a difference in how old you are and if you have a family. When you have four years of junior-level savings, the prospect of having no income is very different than when you have twenty years of savings, with ten of those at senior levels. Likewise if you are single, expenses are very different than a family of four.