I thought this was going to be a post about getting man tits, which I desperately need. As for financial buffers, there is no right answer. But since you have a family, I wouldn’t fault you for setting it higher than myself. For me though rather than just increasing the money I have saved up, I am trying to increase the ways in which I could potentially earn an income, trying to turn it into multiple income streams and hopefully some of those will still be viable even in extreme situations.