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That's it exactly, Weejimmy. For the majority of people, both with or with out property, I'd hazard a guess and say it would not be very long.

Mine is 10+ years worth lifestyle budget as a buffer.

I think it could possibly be.

OP is in overweight cash position so negative isnt an option for him possibly.

Are you talking total gross or nett after all holding expenses? And how will other peoples positions make a difference to yours?