M32, no kids. I currently have around 130k invested in ETFs and keep another 40k in my current account as a safety net. However, 40k in cash feels like quite a lot, and I'm wondering whether I'm being overly conservative. I fully understand that this depends heavily on your personal situation, but I am mainly curious to hear what others are doing. How much do you keep as an emergency fund/safety net, and how did you decide on that amount? -Scratch-120 lin
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