I agree with jimb_fromATL. At least keep contributing to ROTH.
For the self selected pool of people on this board, few have ever had to use much of the true emergency fund, and of
those fewer still needed more than 3 months worth. By having 3 months EF plus ROTH contributions as the second tier,
you will be covered in the low probability event that you need more than 3 months, and in the much greater probability event that
you just use it for retirement.
Back when polls were allowed, we had:
Code: Select all
Not scientific, but people on this board are investing for the future, so deferred gratification seems to be
in their genes. This suggests that they have invested in their skills, increasing the likelihood of a steady job.
An emergency that cannot be handled by 3 months expenses generally means job loss.