6个月的income

两个月的税后

请问各位有啥 theory 或 rule of thumb么？

以上两位差别好像挺大。。。三倍呢

其实这个要看具体情况吧，我说的是大致6个月的paycheck的总数吧

这个也要看具体的专业和职位高低，如果很容易找新工作的职位，少留点也没什么

如果找个新的工作大概要3-5个月那么最好留个半年的钱这样遇事不慌啊，家里有房子有车子有孩子的，无论工作有没有该付的贷款啥的可是不能停的啊，所以我家的情况半年是要的

以下是引用一妮在2008-1-8 14:52:00的发言：

像我这样月光的加密办啊

换个工作涨圈工作就能有结余了吧， 悄悄地换

以下是引用一妮在2008-1-8 14:52:00的发言：

像我这样月光的加密办啊

same here

要看这emergency fund都要cover哪些expenses.  Here is something from the web search, but make your own call.

HOW MUCH TO SAVE?

The general recommendation is to save enough money to cover your living expenses for at least three months.  If your job is less secure, if the economy is weakening and job layoffs are increasing, or if you are self-employed, then you probably should save closer to six months or more.

If you have other savings that you could tap into after your emergency fund, then you could adjust how much you need to save accordingly.  For example, if you have retirement savings that you could borrow from, or friends and family that could lend you the money, then perhaps you only need three months of emergency savings.

WHERE TO KEEP THE MONEY

Money in the emergency fund should be kept in savings accounts that are easy accessible, such as a money market account.  You should fund your emergency account before any of your other savings accounts.

If you don't have the money right now to fund an entire emergency fund, that is ok.  Start small and save a little bit from each paycheck, until you have built up the required savings.  In the meantime, you may try to cut back on some other unnecessary spending to help.

[此贴子已经被作者于2008-1-8 21:13:27编辑过]