3-6 months? People don't go on piling up savings indefinitely? How else do you retire? I mean... there is state pension in the country I live in but I would not count it not going bust in 30 years so I always assumed I will have what I save and then maybe the state pays a bonus.
You are of course entirely correct in saying that this is far too little to retire on. However, it is possible to save without being able to liquidate said saving; for example by paying down debts. The Emergency Fund advice is that you should make a point to have enough liquid savings tucked away to tide you over in a financial emergency before you direct your discretionary income anywhere else.
This thread is for asking any questions that might seem obvious, tangential, silly or what-have-you. Don't be shy, everyone has holes in their knowledge, though the fewer and the smaller we can make them, the better.
Please be respectful of other people's admitting ignorance and don't mock them for it, as they're doing a noble thing.
To any future monthly posters of SQ threads, please remember to add the "stupid_questions" tag.