{"id":608,"date":"2021-06-16T12:00:00","date_gmt":"2021-06-16T12:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/why-you-may-have-too-much-in-your-emergency-fund\/"},"modified":"2025-08-29T16:37:26","modified_gmt":"2025-08-29T16:37:26","slug":"why-you-may-have-too-much-in-your-emergency-fund","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/why-you-may-have-too-much-in-your-emergency-fund\/","title":{"rendered":"Do You Have Too Much Cash in Your Emergency Fund?"},"content":{"rendered":"
\n

How much should you have in your emergency fund?<\/h2>\n

Writing that title feels like Personal Finance Creator\u00ae blasphemy, but I think it\u2019s time we start examining things from a different angle.<\/p>\n

Let\u2019s do a quick rewind:<\/p>\n

I can\u2019t say for sure, but I think the idea of an \u201cemergency fund\u201d probably came from Dave Ramsey or a camp like his. Somewhere along the line, it was minted into personal finance gospel, and we\u2019ve all just been regurgitating the Great Big Book of Dave ever since. <\/p>\n

But what is your emergency fund really <\/em>for?<\/h2>\n

Where did that specific timeframe come from? Why 3-6 months?<\/p>\n

I don\u2019t mean that rhetorically. Really! Let\u2019s discuss some of the circumstances that might cause you to reach for your little cash nest egg.<\/p>\n

For me, I always figured losing a job was high on the list. If I lost my job, I\u2019d need to tap my cash reserves to pay rent, buy groceries, etc. <\/p>\n

\u201cWhat if I lose my job?\u201d<\/em> was always the panic-phrase that my animal brain shouted when I considered the question.<\/p>\n

But isn\u2019t losing a job a bit of a worst case scenario? That\u2019s not to say it would never happen \u2013 just that there are likely other, more common \u201cemergencies\u201d that would probably be more likely. What other \u201cunexpected\u201d emergencies hit your radar?<\/p>\n

Car trouble always seems to top the hypothetical list \u2013 new tires, unpredictable expensive maintenance, or something else automobile-related, or maybe a big vet bill for a sick pet. These are things that are<\/em> likely to happen, at least once per year, as opposed to a catastrophic event like sudden unemployment that you might never<\/em> experience, if you\u2019re lucky. <\/p>\n

(That said, if you don\u2019t own a car, have a pet, or rely on a single source of income\u2026 maybe emergencies truly will be few and far between for you.)<\/p>\n

Cash emergency funds<\/h2>\n

Remember, we\u2019re not talking about just having the money in general \u2013 we\u2019re talking about having it in cash savings <\/em>that can be easily accessed. <\/p>\n

Sometimes I think fleshing out and exploring \u201cworst case scenarios\u201d can help dispel some of the anxiety around them. I remember finally facing the music in April 2020 when layoffs were potentially imminent \u2013 I asked myself, \u201cAll right, Katie, you\u2019re stressed about the potential of losing your job. What would you actually<\/em> do if that happened? What does the worst case scenario actually<\/em> look like?\u201d<\/p>\n

If I lost my job, I\u2019d probably try to go on unemployment while I looked for a new job. Back then, my budget could range from between $2,200 (in a lean month) to $3,000 (in an excessive one). I knew if I were unemployed that my entertainment, dining out, personal care, and travel budgets would get nixed (in fact, I did<\/em> nix them back in April when I was afraid of getting laid off \u2013 I went into austerity mode big time as a preemptive strike). <\/p>\n

That means regular, non-pandemic unemployment ($2,000 per month) would have covered 91% of my monthly expenses, leaving me and my emergency fund to cover the other 9%, or $200 per month. (Unemployment can take awhile to kick in if you\u2019re approved, but the point is, it\u2019s available.)<\/p>\n

The other obvious escape chute I\u2019d likely explore if things got really<\/em> bad is falling back on family or friends. Whether that means parents, grandparents, aunts and uncles, favorite cousins, etc., I\u2019d probably see if I could rely for a short while on a close family member for support. I remember calling my dad one particularly scary day and asking, \u201cIf I get laid off, could I live in your basement until I found another job?\u201d<\/p>\n

While (a) not everyone has access to that option and (b) it wouldn\u2019t be my first choice, I knew I wouldn\u2019t be immediately faced with destitution if everything went to shit. It\u2019s likely you wouldn\u2019t be, either, if you have a support system of any kind who could help. <\/p>\n

It\u2019s worth noting at this point that this might feel like stupid personal finance advice (\u201cYou can always move back in with your parents or a friend!\u201d), but I think it\u2019s a nice realization to tuck in your back pocket to assuage some of the panicked anxiety we feel about \u201cworst case scenarios.\u201d Relying on your community in times of hardship can help you realize you\u2019re not alone. In the United States, we\u2019re acculturated to view self-sufficiency as the highest moral good\u2014but individualism, particularly in times of crisis, can drive us into feelings of isolation and anxiety because we feel we must be able to fully support ourselves, 100% of the time. <\/p>\n

It begs the question: What\u2019s really<\/em> an emergency?<\/h2>\n

The more I thought about it \u2013 and the more I talked to other women who were afraid to abandon their giant cash cushions in order to start investing \u2013 the more I realized I actually couldn\u2019t conceive of a scenario wherein someone would need immediate access to $50,000 cash all at once with no warning. <\/p>\n

You may need to be pulling several thousand each month (assuming, for some reason, you couldn\u2019t get unemployment benefits or rely on a friend or family member for a place to stay) if you lost your job, or maybe<\/em> a few thousand for something like an unexpected vet bill if you have pets, but what really <\/em>constituted an emergency \u2013 in my mind \u2013 was a bit difficult to conceive of without scraping the bottom of my imagination barrel. <\/p>\n

Because here\u2019s the thing: You may end up needing tens of thousands of dollars over the course of a long-term emergency situation. A bad economic crash with no job outlook and an expensive mortgage, for example (see caveat below), but you won\u2019t need it all at once<\/em>. That\u2019s a key piece to remember for later.<\/p>\n

Caveat: Emergency funds look different if you have kids or own a home<\/h2>\n

If you own a home or have children, you\u2019re calculating a potential emergency on a whole different scale, because you have dependents that count on you and, hell, you might need a new roof before the end of the year. Owning a home and having children open you up to endless expensive possibilities, but even then, I think you can still fairly confidently calculate an emergency fund amount that\u2019ll make you feel secure.<\/p>\n

Which brings me to my real point\u2026<\/p>\n

The true purpose of an emergency fund is having enough cash on hand to not get yourself into debt<\/em><\/h2>\n

Whenever people ask why they should establish an emergency fund before they throw all their money at, say, credit card debt, the answer is:<\/p>\n

\n

Because if you don\u2019t have an emergency fund<\/em>, you\u2019re more likely to just get yourself right back into high-interest debt the moment you face an expense that you can\u2019t pay off. <\/p>\n<\/blockquote>\n

If I have $2,000 in credit card debt that I\u2019m slowly chipping away at and nothing in savings, if I get a flat tire and have to replace it for $400, where do you think that $400 charge is going? Right onto the credit card, baby!<\/p>\n

The idea is that it\u2019s too easy to dig yourself into the debt hole when you don\u2019t have cash on hand.<\/p>\n

But if the point of the emergency fund is to avoid debt, then that means your emergency fund is done when it\u2019s big enough to help you avoid debt<\/h2>\n

If you also<\/em> can\u2019t conceive of a circumstance wherein you\u2019d need $50,000 at a moment\u2019s notice, you probably don\u2019t need $50,000 in cash<\/em>. <\/p>\n

You\u2019re probably<\/em> going to be fine with, say, capping your emergency fund at 2-3 months of expenses and then shifting your focus to growing your wealth actively through investing. <\/p>\n

Because remember how I said you wouldn\u2019t need it all at once? <\/p>\n

Theoretically, I envision it working like this: Say you\u2019ve got 3 months of cash on hand. Then, you\u2019ve got another 3-6 months\u2019 worth invested in the market.<\/p>\n

If I lost my job, I\u2019d start to consider how to begin slowly withdrawing some of the cash that\u2019s invested. If the market was tanking, I\u2019d probably wait and hope for a rebound, and if it was still above the price with which I bought in, I\u2019d probably cash out another month\u2019s worth of expenses to add an additional buffer to my cash cushion. <\/p>\n

\n

This way, I\u2019m not sacrificing months (or more likely, years) of growth for an unnecessarily high sense of security, but I also still have access to my own money if I need it. <\/p>\n<\/blockquote>\n

For example, in the \u201c$50,000 emergency fund\u201d example, I\u2019d probably put $10,000 into a savings account for easy access and the other $40,000 into a taxable brokerage account I could touch if I needed it. The likelihood (objectively speaking) that I\u2019d need the invested<\/em> $40,000 is low, but at least it\u2019s growing in the meantime.<\/p>\n

Most people overestimate \u2013 not underestimate \u2013 how much they actually need in cash savings, and it prevents them from investing<\/h2>\n

I have this theory that most people don\u2019t actually know how much they spend, and as a result, when they hear \u201c6 months of expenses,\u201d what they really hear is, \u201c6 months of income<\/strong>.\u201d<\/p>\n

While using income instead of expenses is a fine barometer, do you know how long it takes to save<\/em> 6 months of your own income? <\/p>\n

Well, if your save rate is 50% (i.e., you\u2019re saving half of your income), it\u2019ll take a year. <\/p>\n

If your save rate is 25%, it\u2019ll take two years.<\/p>\n

You can see where I\u2019m going with this \u2013 it takes a long time. <\/p>\n

The reality is, people struggle for years to hit that magical 6-month benchmark, believing that they shouldn\u2019t be investing until <\/em>they\u2019ve done so. A lot of times, things come up (or, more likely, they decide to use the money for other stuff), and they never<\/em> hit the magic number that marks the transition from saving to investing.<\/p>\n

Call me reckless, but I don\u2019t think it\u2019s necessary<\/h3>\n

I\u2019d never advocate for ignoring having a cash cushion, but your cash cushion doesn\u2019t need to be a Restoration Hardware sectional. It can be a beanbag chair. Depending on your lifestyle, that beanbag chair might be big or small. The point is, it only needs to be big enough to prevent you from going into debt for realistic emergencies. <\/p>\n

Beyond that, I\u2019d argue it\u2019s not necessary.<\/p>\n

Because remember: The money you put into your Roth IRA? It\u2019s still your money. You can access the money you contribute tax-free and without penalty because you\u2019ve already paid the taxes on it <\/em>at any time. <\/p>\n

Your Roth IRA is like a back-up emergency fund, except it actually grows<\/em>. Your taxable brokerage account? Also your money, and also available to you whenever you want. <\/p>\n

Investing may be a long-term play, but don\u2019t let \u201clong-term\u201d keep you from starting<\/h3>\n

Ideally, you aren\u2019t withdrawing that money in the next year. Ideally, you\u2019re in it for the long haul. <\/p>\n

But if for some reason you needed that money<\/em>, it\u2019s still yours and you still have access to it \u2013 it\u2019s not like it\u2019s locked up forever.<\/p>\n

Sure, in a worst case scenario you may need to withdraw some of your money at a loss, but that\u2019s exceedingly rare \u2013 the stock market spends more than half its time \u201cup,\u201d so theoretically, you\u2019re more likely to make money than lose it if you\u2019re investing wisely. <\/p>\n

Don\u2019t lose the forest through the trees: The emergency fund is a debt prevention device, but it\u2019s like a medical triage<\/h2>\n

If you crack your head open, you probably want someone to immediately stop the bleeding and triage the accident \u2013 but you can\u2019t stop there. <\/p>\n

You have to then go see a doctor and get sophisticated medical care that\u2019s more nuanced in order to actually heal and get healthy. The emergency fund is like a big triage. <\/p>\n

Investing is going to the doctor. If you focus too much on the triage, you\u2019ll never actually<\/em> get anywhere. It\u2019s necessary<\/em>, but not enough<\/em>. <\/p>\n

It\u2019s an easily deployed cash cushion that helps you prevent credit card debt or other, \u201cOh, shit,\u201d situations. <\/p>\n

Investing is how you build wealth for the future and pave your way to freedom. At the risk of deploying an eye-rollingly clich\u00e9 analogy that reminds me only vaguely of church camp: Don\u2019t cling to your life preserver so desperately that you miss your golden sailboat to freedom.<\/p>\n

Not sure where you should put your emergency fund?<\/h2>\n

I wrote a post a while back about the account I recommend for hosting a large sum of money, but \u2013 surprise, surprise \u2013 it\u2019s still an investment account. Your risk tolerance matters here \u2013 but check it out<\/a>. <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

How much should you have in your emergency fund? Writing that title feels like Personal Finance Creator\u00ae blasphemy, but I think it\u2019s time we start examining things from a different angle. Let\u2019s do a quick rewind: I can\u2019t say for sure, but I think the idea of an \u201cemergency fund\u201d probably came from Dave Ramsey […]<\/p>\n","protected":false},"author":178814,"featured_media":2405,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-emergency-funds.php","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[49],"class_list":["post-608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spending-and-saving","tag-emergency-funds"],"yoast_head":"\nDo You Have Too Much Cash in Your Emergency Fund? - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/why-you-may-have-too-much-in-your-emergency-fund\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do You Have Too Much Cash in Your Emergency Fund? - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"How much should you have in your emergency fund? 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