2 people in say, their early 30s (possibly supporting small families) who need to finance 6-12 months before sufficient profits start to turn probably require s

2 people in say, their early 30s (possibly supporting small families) who need to finance 6-12 months before sufficient profits start to turn probably require something more to the tune of $100k+ than $10k, which is not that easy to save even when working as a programmer.