What's the most prudent way to think about this?

The way that we first start to think about that is first you have to know how much you're spending on a monthly basis to come up with an accurate answer for this question.

After you figure out how much you're spending on a monthly basis, the general rule of thumb is 3 to six months of living expenses for you and your family set aside in a separate savings account in cash ready for an emergency.

Obviously, after that, there's different situations and scenarios that come up that can dictate having more or less, but that's a general framework we use to at least start the conversation.

And that's all part of a customized financial plan that we complete for all of our clients and and update over time as we help you reach your goals.

So if you want to discuss this in any more detail, reach out and set a call. Thanks.