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If you have ever sat down with a financial planner or read an article about how much is needed in liquid savings, i.e. cash on hand? You've probably were told to keep 3-6 months in savings. If your one of those people, which is to say most people, who doesn't save, I would agree. If you are a saver, then is that advice correct? The answer is actually "No", but you have to listen to this post of the week to find out why! Warning: The post has *gasp* numbers in it!