Zero, nothing ,,,,,,,,, I got myself in a hole at 18, dug my way out by 22. Since that time have never taken on any debt I cannot pay off yesterday.
The is a Mortgage on my house in NJ since work is covering the interest piece of the Mortgage. The is is more than enough money liquid to pay off the Mortgage in my Fuck You fund account.
I pay for my cars cash
I pay off my Credit Cards Monthly, credit cards are for convenience only. My kids have learned this lesson well.
There is money in the Fuck You Fund to pay off this and the next 4 Holidays
Ten Percent(10%) of what I make goes into savings over and above retirement savings (401K, etc)
I do not have the latest and greatest, my cars last 10 years plus etc. If I have to go into debt, I cannot afford it period