I’d be willing to bet a good majority of the people here knocking others who can’t miss a check, would also be uncomfortable if they missed a check.
You got me thinking about my personal situation so I looked and ran the # mainly becuse my savings on hand it about half of what I'm comfortable with.
At my current spending levels in can go 5 months without a pay check before im broke on a quick surface level look. But with deeper figuring. I won't have expenses of going to work when not working saving $400 a month in gas, there would be unemployment or my short term disability insurance payments To help stretch out the time frame , in 5 weeks my wife's vehicle will be paid off eliminating that bill and of course there are other areas spending could be cut if needed. So on a deeper dive look I could go 10 to 12 months.
This is important to me to know piece of mind since I have been having health issues that may end up limiting my ability to work as im used to of at all. And knowing my savings was lower than I liked had me up tight but looking more closely I do feel just a little beter. Thanks for posting the question and geting me thinking about it in the open instead of it rolling around in my subconscious worries adding to my irritability.
Even one pay check missed I would not like it one bit I would not like watching savings get lower. But Its good to know its there if needed and where I actually stand.
On a positive note. Its always nice to be able to find the positive results from negative situations. In this case knowing I had the possibility of MS it lead me down the journey of becoming debt free as fast as possible and becoming financially educated. 5 years ago I would have been in about the same boat as most people and in trouble if I missed a month or two of work.