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The size of an emergency fund all comes down to how much protection you want to give yourself. Think about it like insurance, you have your excess and your monthly fee. The higher your monthly fee the more will be in the fund when an emergency comes around so the lower your excess (meaning the less you have to pay from other reserves such as credit).Personally I consider a real situation when myself and my partner are out of work for 12 months, so that the size of our emergency fund.

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