We're debt-free and have $750K saved for retirement — but I can’t stop growing our emergency fund. How much is enough?

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Skip to navigationSkip to main contentSkip to right columnADVERTISEMENTAditi GangulyTue, June 23, 2026 at 7:12 PM GMT+2 11 min readYuriArcursPeopleimages/EnvatoMoneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below.Saving money for emergency expenses is important, but figuring out exactly how much you should stash in an emergency fund can be tricky, especially when two partners don't see eye to eye.Imagine Jenn, a 42-year-old who's been squirrelling money away her entire life. She and her husband are debt-free and sitting on roughly $750,000 saved for retirement. By most standards, they're well ahead of the curve.Top PicksDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake —