Emergency fund question — does childcare change your target?
I’ve always seen the 3–6 month rule for emergency funds, but I’m starting to think that doesn’t fully apply once you factor in childcare.
When I added everything up monthly, childcare alone made a big difference in what 6 months actually looks like.
Curious if other parents are adjusting their emergency fund targets because of this?
Are you:
- sticking to 3–6 months?
- going higher?
- or handling it differently?
u/tylermartin02 — 9 days ago