How is this the only comment with the real solution? Get local authorities and/or the landlord to enforce noise violations. Stop the problem at its source

Emergency fund is usually synonymous with job loss replacement fund. Anyone can lose his job, and you still have expenses that can’t be financed. Lots of factors can decrease the amount you need, like being a two income household, working in a public union job, not having kids, etc. So if all those factors are in place, your emergency fund can be closer to the 3 month amount of the recommended 3-6 months of expenses.

For someone with kids, private company, no union, spouse doesn’t work, etc the job loss fund should be more like 6 months of expenses.

Plus Expenses are not the same as income, 3 months of expenses should hopefully be substantially lower than 3 months of income.

Problem- in most meetings if you don’t speak up right away the meeting moves on and you’ve lost the opportunity.

Why don’t you need emergency money?