Sizing Your Emergency Fund: How Big Do You Need it to Be?
Do you have other sources of cash?
If you have other sources of income that are likely to be very reliable (guaranteed pension income, child support, etc.) then you can count on having this income to support you even if something goes wrong and you lose your job, become disabled or otherwise suffer an emergency. In this case, you can opt for a smaller emergency fund than someone without any other sources of cash might.