Awesome, insightful article. If I may offer a solution to the issue of how much to allocate to an emergency fund.

The best option, in my view, is to set aside enough to cover your expenses over the last x months. x could be anything from 2 to 6.

This provides the greatest flexibility for the least amount of stress and active management. After all, your emergency fund should only ever cross your mind if and when you truly need it.