function toBool(val) { if (val === 1 || val === 'True') { return true; } return false; } var globalVars = { 'container': '', 'custom_style': '', 'hide_progress': toBool('False'), 'show_answer_opt': toBool('False'), 'show_judging_opt': toBool('False'), 'show_answer': toBool(''), 'show_judging': toBool(''), 'show_correct_total': toBool('True'), 'quiz': {"title": "How Much Should You Have in Your Emergency Fund?", "type": "CategoryQuiz", "total_score": 0, "overview": {"content": "It\u2019s pretty common advice to suggest that everyone have an emergency fund \u2014 some savings stashed away as a financial parachute in the event that something costly derails your budget. But how much is enough? Savings recommendations are often based on how much it would cost you to live for a period of time without income. A general rule of thumb is three to six months\u2019 of expenses. However, that may not always be enough. Take this quiz to get an idea of the minimum amount you should have in your emergency fund.", "image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/290c8959-aedc-40c0-aad5-5c9ef5cc2db4.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:27:20.348076", "credit": "Getty Images", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/290c8959-aedc-40c0-aad5-5c9ef5cc2db4.jpg", "attributiontext": "Getty Images", "height": 395, "caption": "Image", "attributionhtml": "Getty Images", "validated_image": true, "width": 1079}}, "questions": [{"comment": "Beverly, please edit either the conclusion title or the little tag for the three months' conclusions for every question, or both. They need to match exactly and right now they don't. The current title is Three Months' Savings Might Be Enough and the tag is \"threemonthsworthsavingsmightbeallyouneed\" I already tried to edit the tags to match the current title and it would not let me change it, but I'm not very familiar with this format so might have been doing it wrong. If you have trouble, Reina said you can send it back and she will handle it. Thanks! :o)", "image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/b1987364-97bc-4ac1-9a9e-1c16fbd6e08c.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:28:02.910323", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/b1987364-97bc-4ac1-9a9e-1c16fbd6e08c.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"sixmonths": 1}, "content": "Enough to cover all of my bills. I don\u2019t have any expenses in my budget that I can do without.", "correct": "True"}, {"conclusions": {"threemonths": 2}, "content": "Enough to meet my must-pay bills and to buy essentials like groceries. I could cut back on some expenses if necessary.", "correct": "True"}, {"conclusions": {"asmuchaspossible": 1}, "content": "Enough to cover my entire monthly budget and then some to keep up my lifestyle.", "correct": "True"}], "title": "How much money do you need to get through each month? ", "explanation": []}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/def2b844-f84e-4b2f-b01d-60c03bc8ff12.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:28:22.698373", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/def2b844-f84e-4b2f-b01d-60c03bc8ff12.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"asmuchaspossible": 1}, "content": "I live alone.", "correct": "True"}, {"conclusions": {"sixmonths": 1}, "content": "I have a roommate, so there are two wage-earners in the household.", "correct": "True"}, {"conclusions": {"threemonths": 1}, "content": "I\u2019m married and both my spouse and I work.", "correct": "True"}], "title": "Who do you live with?", "explanation": []}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/c4c3ca61-cd7c-4778-a6d0-bd70d757082c.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:31:55.538997", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/c4c3ca61-cd7c-4778-a6d0-bd70d757082c.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"threemonths": 1}, "content": "Not much. My car is a clunker so parts are cheap, and I rent my apartment so my landlord pays for major repairs.", "correct": "True"}, {"conclusions": {"asmuchaspossible": 1}, "content": "Thousands. I own my own home, so if the furnace dies or the swimming pool springs a leak, it\u2019s all on me.", "correct": "True"}, {"conclusions": {"sixmonths": 1}, "content": "Almost everything I own of value is insured to the max.", "correct": "True"}], "title": "How much would it cost you to replace or repair an important appliance in the event of an emergency? ", "explanation": []}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/36b485e4-cfe0-4099-8a66-cf8de05e408c.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:32:17.067441", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/36b485e4-cfe0-4099-8a66-cf8de05e408c.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"threemonths": 1}, "content": "Years and years. I expect I\u2019ll be there until I retire.", "correct": "True"}, {"conclusions": {"asmuchaspossible": 1}, "content": "What job? I freelance and my clients can change by the month.", "correct": "True"}, {"conclusions": {"sixmonths": 1}, "content": "About a year. I\u2019ve been laid off in the recent past due to downturns in the economy.", "correct": "True"}], "title": "How long have you been at your present job?", "explanation": []}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/aa5b90c9-e7f0-48b1-bd53-f14d41f48a7a.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:33:06.667048", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/aa5b90c9-e7f0-48b1-bd53-f14d41f48a7a.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"asmuchaspossible": 1}, "content": "It could be an extended period of time. There aren\u2019t a lot of job openings in my field, and I\u2019d want to hold out for compensation that\u2019s commensurate with my abilities and experience.", "correct": "True"}, {"conclusions": {"sixmonths": 1}, "content": "I can usually find a new job within a month or two. Plus, I\u2019d have unemployment compensation to help hold me out in the meantime.", "correct": "True"}, {"conclusions": {"threemonths": 1}, "content": "I freelance, but 30 to 60 days gives me a lot of time to round up new clients if I have to.", "correct": "True"}], "title": "How long do you think you\u2019d be out of work if you lost your job? ", "explanation": []}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/ee1cf2f7-fe1e-476a-b0ac-c4e1b0623138.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:33:36.714909", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/ee1cf2f7-fe1e-476a-b0ac-c4e1b0623138.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"sixmonths": 1}, "content": "I haven\u2019t even started saving for retirement yet.", "correct": "True"}, {"conclusions": {"asmuchaspossible": 1}, "content": "I\u2019m retired and mostly living off my investments.", "correct": "True"}, {"conclusions": {"threemonths": 1}, "content": "I'm still years away so I could take a loan from my retirement account if I had to.", "correct": "True"}], "title": "How far away are you from retirement?", "explanation": []}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/a8f03899-2c6e-404a-ab3d-3a4919a03d9a.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:34:59.639954", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/a8f03899-2c6e-404a-ab3d-3a4919a03d9a.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"asmuchaspossible": 1}, "content": "I don\u2019t own anything that anyone would want to pay me money for.", "correct": "True"}, {"conclusions": {"threemonths": 1}, "content": "I could take out a home equity loan if I had to.", "correct": "True"}, {"conclusions": {"asmuchaspossible": 1}, "content": "Pretty much everything I own of value has a significant loan against it.", "correct": "True"}], "title": "Do you own property or assets that you could fall back on if necessary?", "explanation": []}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/9c84099c-a331-4f4c-a5e0-33f81150bccd.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:35:25.512399", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/9c84099c-a331-4f4c-a5e0-33f81150bccd.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "answers": [{"conclusions": {"threemonths": 1}, "content": "We could move in with my parents in an absolutely worst-case scenario.", "correct": "True"}, {"conclusions": {"asmuchaspossible": 1}, "content": "I don\u2019t have one. I\u2019m the safety net for everyone else in my life.", "correct": "True"}, {"conclusions": {"sixmonths": 1}, "content": "I could count on some help from relatives, but probably not much.", "correct": "True"}], "title": "What\u2019s your non-financial safety net like? ", "explanation": []}], "conclusions": [{"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/c24f9b04-601a-4909-ad64-8fcc5f877f3b.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:37:01.094101", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/c24f9b04-601a-4909-ad64-8fcc5f877f3b.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "key": "threemonths", "title": "3 Months\u2019 Savings, But More Is Better", "content": "If you lost your job or suffered another catastrophic expense tomorrow, you could cut back on a few luxury expenses or even move in with relatives for a while. If you have two wage-earners in your family, you may be okay because if one of you loses your job, the other can still pay some of your monthly expenses. Base your three months' savings or more on replacing the salary of the highest wage-earner. \n\nThe information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit www.transunion.com. This site is governed by the TransUnion Interactive privacy policy located at http://www.transunion.com/legal/privacy-policy. "}, {"comment": "I made some edits here to trim the word count, so please check the whole paragraph to make sure that I didn't change your intended meaning, especially for the first sentence. \"Also, the meaning of this sentence is unclear: As for replacing or repairing your possessions, you won\u2019t have to come out of pocket much except to meet deductibles if your budget is a little insurance-poor.\" Please rephrase to clarify and remove \"a little insurance-poor.\"", "image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/fc40d0ac-1aa5-44de-a920-644dc409b67a.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:36:34.430091", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/fc40d0ac-1aa5-44de-a920-644dc409b67a.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "key": "sixmonths", "title": "Strive for Six Months\u2019 Savings or More", "content": "Even if you have few expenses you can cut in the event of an emergency, you should strive to save enough for at least six months, especially if there\u2019s a possibility you might find yourself looking for a new job someday. Even if you\u2019re living with a roommate, that person might jump ship when trouble strikes, and all the costs of the residence would fall to you. State-funded unemployment benefits vary by state, but benefits generally last for 26 weeks, so you\u2019ll need to save the difference between your current earnings and your anticipated benefits for each month. \n\nThe information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit www.transunion.com. This site is governed by the TransUnion Interactive privacy policy located at http://www.transunion.com/legal/privacy-policy. "}, {"image": {"thumburl": "http://photos2.demandstudios.com/DM-Resize/s3.amazonaws.com/photography.prod.demandstudios.com/22c9d5b8-9901-40c5-9e43-9e1084d9522a.jpg?w=120&h=120&keep_ratio=1", "photoid": "uploaded/2017-02-14 15:36:12.892102", "caption": "Image", "url": "http://s3.amazonaws.com/photography.prod.demandstudios.com/22c9d5b8-9901-40c5-9e43-9e1084d9522a.jpg", "attributiontext": "Getty Images", "height": 395, "credit": "Getty Images", "attributionhtml": "Getty Images", "width": 1079}, "key": "asmuchaspossible", "title": "Save As Much As Possible", "content": "It\u2019s not just monthly bills that you have to worry about. Maybe you\u2019re putting one or more of your kids through college, or an elderly parent occasionally looks to you for financial help. You\u2019ll want to save enough to cover your family for an extended period of time, particularly if you\u2019re the only wage-earner in the family. Likewise, you\u2019ll need more savings if your income is totally dependent on the economy because you\u2019ve retired and you\u2019re living off your investments. \n\nThe information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit www.transunion.com. This site is governed by the TransUnion Interactive privacy policy located at http://www.transunion.com/legal/privacy-policy. 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'+ ' It’s pretty common advice to suggest that everyone have an emergency fund — some savings stashed away as a financial parachute in the event that something costly derails your budget. But how much is enough? Savings recommendations are often based on how much it would cost you to live for a period of time without income. A general rule of thumb is three to six months’ of expenses. However, that may not always be enough. Take this quiz to get an idea of the minimum amount you should have in your emergency fund.'+ '
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How Much Should You Have in Your Emergency Fund?

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It’s pretty common advice to suggest that everyone have an emergency fund — some savings stashed away as a financial parachute in the event that something costly derails your budget. But how much is enough? Savings recommendations are often based on how much it would cost you to live for a period of time without income. A general rule of thumb is three to six months’ of expenses. However, that may not always be enough. Take this quiz to get an idea of the minimum amount you should have in your emergency fund.

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