The standard rule is that you need 6-12 months of expenses in your emergency fund to consider it fully funded.

In reality, it's your money and your life. How you feel towards money is how much you'll need to be financially secure.

There are many external inputs to your emergency fund size as well. These include paycheck reliability, job security, and retirement date.

You should supplement your emergency fund with multiple income streams from a business, real estate, or royalties.

If you lose your job or have a medical issue, your emergency fund PLUS your other income streams can carry you during your downtime. It's the process of making you financially secure and worry-free.