I have an objection in general to the sort of atheist, or at least secularist, propaganda where a woman who grows up in a sexually oppressive cult finds it just liberating to set aside her abstinence and purity indoctrination when she leaves home.
Some recent examples:
I Once Signed an Abstinence Pledge and Wore a Purity Ring; Now, I’m a Sex-Positive Former Christian
Sex as a Southern Woman: A Story of Shame
http://www.patheos.com/blogs/godlessindixie/2015/04/21/sex-as-a-southern-woman/
I could’ve been a Duggar wife: I grew up in the same church, and the abuse scandal doesn’t shock me
After a First Time, Many Second Thoughts
http://www.nytimes.com/2015/05/31/style/after-a-first-time-many-second-thoughts.html
Namely, that this kind of sexual liberation doesn't necessarily work symmetrically for young men who grow up in similar religious environments. Women naturally hold the gatekeeping position, regardless of what their elders brought them up to believe about sex. So even average-looking women who decide to break away from these restrictions usually have a relatively easy way to do so.
But because of the asymmetry in human mating, the sexually unattractive young christian man who wants to break away from his sex-negative upbringing will discover pretty quickly that his apostasy hasn't increased his sexual market value. Instead he becomes just another sexually yucky and frustrated secular guy.
Yet atheist bloggers like Hemant Mehta keep publishing these dishonest stories by or about young, formerly christian women who decide to take off their purity rings and start hooking up with men. This sounds like a sexist way to make the case for the benefits of atheism: Wow, look at the fun all those women have when they become atheists and lose their sexual inhibitions.
It just doesn't work that way for a lot of guys who leave religion, however. Referring to the story I linked below about the male virgins in Silicon Valley, I doubt that they wound up that way because of christian upbringings. Silicon Valley doesn't have a reputation as a christian sort of place, and I suspect most of these guys have secular outlooks.
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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.