In the event of a bank collapse money in the bank isn't going to be available. And as we saw when both the farm crisis hit in the 80's and the housing bubble just a few short years ago land values can go down. Even gold is subject to market trends.
But to the OPs question? The US military told us 3 months pay in the bank. Then congress for most of my career kept us 3.5-13.5% behind the cost of living making it impossible to save 3 months pay! Also as we saw with the past recession, even with extended unemployment people were still out of work 2 plus years later. People were out of work for 8 to 9 years during the great depression. So it's subjective as to how much you should have to fall back on.
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Today's Featured Article - Gatherin of the Orange - by Rick Nikolich. In July of 1998 I was talking to fellow Allis Chalmers collector Mike Schilling about the annual "Gathering of The Orange" AC show coming up in August of 1999. He got this wild idea that we should get a convoy of AC tractors and drive them from Charlotte, Michigan 105 miles to LaGrange, Indiana.
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