If i have a very secure job with great cash flow outside of this, then i could probably go a little smaller with that reserve. Part of the answer is, what are the other risk factors in your life? Are you single or a single income couple, or are you dual income? A rental property could be that, right? Right? Exactly like if you own a business and you don't want that business to fail,. If push comes to shove, you're willing to put your own money into the business to h the bleeding in the event of negative cash flow.

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