16. Have 3 Months in Savings

This is just one of those “adult” things. I feel like you aren’t really “adult-ing” as a twenty-something until you have 3 months in savings. I’ve never been quite sure what this means, but I’m going to take it to mean 3 months of your paycheck in savings. Since I budget my paycheck to death anyway, I think saving around 3 months-worth of paychecks for all times is an adequate amount of “oh shit” money.

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