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Just 6 months, but then, I just bought a house with a hefty deposit, so funds are depleted. But even if next year brings in 2/3 of this year, they'll soon be replenished.
You forget the option that says "forever" i.e. those who don't have to work but can choose to work (not saying I'm in that camp yet...)
I think forever is longer than three years so it's covered. I think all of us are in theis category as long as we move somewhere cheap like New Zealand or Nepal.
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