Dear Grantmeaname,
I would politely ask you to re-read my comments. I would also politely request that if you quote something that someone else has written (indicated by the use of quotation marks), then please make it an actual quote, not your own words.
A forum is a free exchange of ideas, not a private two-way conversation. Things were getting heated and surprisingly unkind things were being said yesterday. I had hoped to add a calm voice to the discussion, to offer some positive reinforcement and even add a tiny bit of wry humor to the discussion. If I may quote myself accurately, I said "Older (and wiser??)". By using parenthesis and two question marks, I intended to show that older does not necessarily mean wiser. Not to denigrate all old(er) people, I just don't consider myself to be as wise as I could be, nor as old as I hope to become :-))
I completely respect your decision not to keep a large EF. It's your choice. I am not stating that either viewpoint is right or wrong, just different. This is not stereotyping, it's an observation. What works for you works for you. I do not expect to change anyone's position, just share my view from where I stand in the world, just as you have from your own vantage point.
There is cross pollination in almost all threads with more than a few replies. It's fun to watch how some meander before eventually returning to the subject at hand. In this thread, for example, we're all now learning about LCMU, which as far as I can tell, has very little to do with "size of emergency fund". It looks like it could be an interesting option for where to 'stache said funds, for those who elect to have them.