In my opinion, 4 months is not enough of a stockpile if you don't have any contacts and don't know where to start. If you have an idea and willpower, you need

In my opinion, 4 months is not enough of a stockpile if you don't have any contacts and don't know where to start. If you have an idea and willpower, you need to be able to work on that idea for at least a year; either via investments or savings. Of course, this is just my personal opinion; other people here may be less risk averse. But until we know the longer term health of the economy, a year of safety seems about the minimum to me.