Divulgando la cultura en dos idiómas.

Dave says 08.23.18

Dear Dave,
My wife and I are following your plan, and we just paid off all our debt except for the house. Since we work for the same company, do you think we should have an emergency fund that is larger than you normally recommend?
Don

Dear Don,
That’s great news! You’ve finished Baby Step 2, and now you’re ready for Baby Step 3, which is fully-funding your emergency fund.
I don’t see a reason to set aside more than six months of expenses. My recommended range for an emergency fund is three to six months of expenses. If your employment situation is one where there’s more risk of something going wrong, you should lean toward saving six months’ worth. If your employment outlook is really stable, you can go with setting aside three or four months of expenses in an emergency fund.
I look at your situation as being more high-risk. You each have jobs, so that’s the good news. But if the company went down, or experienced layoffs, you could find yourselves unemployed at the same time. My advice would be to save up six months of expenses for your emergency fund. With that kind of cash just sitting there, you should be able to make an easier and less stressful transition in almost any kind of unemployment scenario or other emergency.
—Dave
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Querido Dave,
Mi esposa y yo estamos siguiendo tu plan y acabamos de pagar toda nuestra deuda excepto por la casa. Como trabajamos para la misma compañía, ¿crees que deberíamos tener un fondo de emergencia que sea mayor del que normalmente recomendarías?
Don

Querido Don,
¡Esas son buenas noticias! Has terminado el Paso Pequeño 2 y ahora estás listo para el Paso Pequeño 3, que es financiar por completo tu fondo de emergencia.
No veo una razón para reservar más de seis meses de gastos. Mi rango recomendado para un fondo de emergencia es de tres a seis meses de gastos. Si tu situación laboral es una en la que hay más riesgo de que algo salga mal, debes inclinarte por ahorrar un valor de seis meses. Si tu perspectiva de empleo es realmente estable, puedes dejar de lado tres o cuatro meses de gastos en un fondo de emergencia.
Veo tu situación como una de mayor riesgo. Los dos tienen trabajos así que esas son buenas noticias. Pero si la compañía se cae o experimenta despidos, los dos podrían encontrarse sin empleo al mismo tiempo. Mi consejo sería ahorrar hasta seis meses de gastos para tu fondo de emergencia. Con ese tipo de efectivo sentado ahí, deberías poder hacer una transición más fácil y menos estresante en casi cualquier tipo de escenario de desempleo u otra emergencia.
—Dave

 

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