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Gunnar_Zarncke comments on 2015 Repository Reruns - Boring Advice Repository - Less Wrong Discussion
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I take it 'significant' here means more than half a year of regular income total. Half of that appears to be the recommended scratch money.
Significant depends on your personal circumstances, but anything more than half a year's income almost certainly qualifies. I've seen good arguments for keeping much than half a years income on hand, but they're controversial and aimed at people following the early retirement community's overall suite of advice, which allows them to make assumptions that don't hold for large chunks of the population.