Dave Ramsey recommended a 3-6 month emergency fund for individuals and businesses along with paying off debt. That’s a common emergency fund size for those who have one.
This government mandated shutdown has now lasted more than six months.
Very few went the Suze Orman great recession route and had a 9-12 month emergency fund. We’re approaching the 9 month mark.
In summary, it isn’t fair to demonize someone for not having a larger than average emergency fund.