Michael_Sullivan comments on Rational Romantic Relationships, Part 1: Relationship Styles and Attraction Basics - Less Wrong
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The present value of my expected future income stream from normal labor, plus my current estimated net worth is what I use when I do these calculations for myself as a business owner considering highly risky investments.
For most people with decent social capital (almost anyone middle class in a rich country), the minimum base number in typical situations should be something >200kUS$ even for those near bankruptcy.
Obviously, this does not cover non-typical situations involving extremely important time-sensitive opportunities requiring more cash than you can raise on short notice (such as the classic life-saving medical treatment required).