In a recent thread on r/UpperMiddleFinance, contributors shared emergency fund strategies with eye-popping numbers. Some reported emergency savings well above the typical three to six months of expenses recommended by financial advisors. One person reduced their emergency fund from $50,000 to $40,000, covering six months of expenses. Another keeps $100K in an emergency fund, while another holds $140,000 to cover one year of living expenses. Many emphasized job stability and risk tolerance in shaping their strategy, with some keeping two to three years’ worth of expenses in cash or near-cash. Having a plan brings calm in uncertain times.

Read more at Yahoo Finance: Upper-Middle-Class Emergency Funds Are Bigger Than Most Expect. For Households With $10K Monthly Bills, It Disappears Quickly