I often come across finance articles that advise people to save up to six months' worth of their monthly expenditures in an emergency fund. The idea is to have funds Handy when a person goes through some financial difficulties such as loss or diminution of income due to unemployment, business losses, or even health issues. The rest of the savings, they say, should go to investment. However, having gone through a period of unemployment for a year, I know that six months' worth of emergency fund is not enough at all. I'd prefer to have at least $100,000 in savings/emergency fund before I can even think about investing in stocks/mutual funds or other forms of investment. What do you think?