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The no emergency fund thing is scary. I like to have at least 18 months sitting in the bank and some of my friends think I'm crazy to have that much and not do anything with it. Is it likely my wife and I will both lose our jobs at the same time? Very Doubtful, but "very doubtful" won't pay the bill if it does happen!
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1992 968 Polar Silver
2010 Toyota Highlander SE
2006 Lexus LS430 ML
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