Not bad, but these types of rules, as is often the case, do not apply to everyone equally.


I agree.


The vast majority of financial advisors recommend between 3 and 6 months. More is a loss due to the opportunity cost.

I would only add that if you have a bad financial situation, with high consumer debt or negative net worth, etc. the first thing you have to do is to get rid of debt, but when you have a comfortable financial situation, you have to have a balance between spending, saving/investing, and donating money. Although I understand that the % of donation has to be lower in countries with high taxes, because in some way you are already donating through taxes that the state redistributes.