>>Of course why you wouldn't have a buffer if you make that much money is a different problem. That is the problem. Even in the example of unpredictable incom

>>Of course why you wouldn't have a buffer if you make that much money is a different problem. That is the problem. Even in the example of unpredictable income you gave two posts above. If you spending all the money you are earning(even if variable) just because you are earning it a little extra every month. Something is badly broken in the way you live your life. You are essentially not solving any problem at all, all you are doing is delaying your problems one month at a time. Someday that will blow up in your face. And when it does you will back to all the problems you had started with or may be even worse. You should never be earning to make ends meet(That only delays problems, doesn't solve them). You should be earning towards a framework which enables you to do away with working to make a living(a.k.a retirement).