>>60618443
i agree
>with the average normies income and expenses, saving up that much will take too long
>normies who dont know any better tend to keep their cash in accounts getting 0-1% yield
>"6 months of expenses covered before you do anything else!" is an intimidating psychological filter for normies, the majority are bound to break and buy stupid shit after looking at the huge pile of immediately ready-to-spend cash they have amassed
emergency cash seems like a retarded meme unless youve already built a decent portfolio to serve as a foundation, and you can afford to start diverting a small percentage of your investing money into a cash pile
even then it seems entirely optional and mostly for psychological reasons