Same, my rule is my gross yearly salary or 24 months all recurring expenses whatever is larger. I try to set my lifestyle to where the 2 years expenses are 70%

Same, my rule is my gross yearly salary or 24 months all recurring expenses whatever is larger. I try to set my lifestyle to where the 2 years expenses are 70% of gross salary which is honestly not terribly difficult as a dink. Peace of mind for the cost of "only" making 4.65% interest is well worth it to me.