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ReevesAnd comments on Stupid Questions June 2015 - Less Wrong Discussion
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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.
The 3-6 months is in a liquid savings account. Beyond that, you want your money in investments that will earn interest. They will be more volatile, so aren't advisable as an emergency fund. They can also be harder to access.