I keep reading this advice on this sub, which I think is straight-up not good advice. You're leaving money on the table by not investing it instead. You live in Japan.
- Things are cheap
- Health insurance is nice
- You almost never get fired from a job
If you're single, 1 month living expense should be enough. Maybe 3 months if you have family.
Seriously, I can't think of any """emergency""" where you would need that much in cash. Just get a credit card (which you should be using as much as possible) with a high limit and you should be good.
tldr:
Emergency funds should be risk-adjusted to your actual environment, not copied blindly from US-centric personal finance blogs.
by Comfortable_Term_874