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How to Cover Your Burn
So let's just say five to seven a month is your burn. If you earn 120 K from a side thing, then you're breaking even covering your burn. So people who are around that level, you really only need, I would say eight to 12 months of burn covered. In this case, it's what 45 to 60 K saved to cover. It really depends on your level of comfort. But that's a good starting point.