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@ptmladybug Tricky point here is that to become unemployable as a SWE, you have to basically become a vegetable, unless the insurance covers something like mental health issues. If money is really that important in cases where this insurance would pay for a software engineer is up to the...

@stsdm 6 months seem like a hefty amount, given that we have the RAV in Switzerland. The typical recommendation I've read is 3 months. Any specific reason why you recommend 6 months instead?

@onewayjesus Sorry let me rephrase the question. What's VT?

@onewayjesus What's a VT guy? (I'm new to reddit) Addition to your point with several bank accounts: OPs Neon and Cler Zak offer virtual sub accounts for that purpose. I'm using those and love them. They make me feel a lot poorer than I am, which is a great feeling :D

@bman10123 Not continuously of course, since that makes no mathematical sense as you describe. More like an initial protection that "washes out" over the years. But the longer I think about it, the less viable it seems actually.

Hello there, So far since having a job, I've only invested about half my life savings (yes stupid, but also grew up poor with no parents that could help out in a financial emergency, and the only inheritance I could expect are debts, so having a cushion was kinda critical for survival)...