If you can manage to save enough to live on for 6 months at your present level of expenditure you have some kind of insurance against the idiocies of life and employers.
Although I find it very peculiar that my parents could live the life my friend live, but afford children, have saving and yet now have a retirement.
A 30 years old single person with no children an a job that doesn't have a loan or crazy spending habits should not have to choose between savings and pleasures.
Yup the biggest social change in my generation (I'm 60 soon) was women going out to work. Mysteriously, having two wage earners per family has not actually increased apparent wealth. In fact it has decreased.
In UK housing has become much more expensive as a proportion of earnings, and wage rates seem to have declined in real terms.
