The amount of family savings directly determines the strength of risk resistance:

If you haven't saved enough for 5 years of emergency funds, it can only be considered insufficient family resources;

If you don't even have 3 years' worth of living expenses saved, the family's finances will light up a yellow warning;

If you can't even take out 1 year's worth of backup funds, once faced with unemployment or diseases, the family may face a crisis of disbandment.

The "5 years of savings" mentioned here means that even if the whole family has no income for the next 5 years, this amount of savings can still maintain a normal standard of living without having to downgrade.

To save this amount of money: you need to save at least 1 year's living expenses every 3 years and at least 3 years' worth of living expenses every 9 years. Of course, it would be best if you could earn enough money to last a lifetime in just two or three years.

Ultimately, living life means spending within your means and consuming moderately. The more money you save, the more comfortable your life will become, and you won't panic due to lack of money, which naturally reduces conflicts within the family.