Just For Thinking ....
Common advice from financial advisors is to keep 6 - 12 months ready cash for emergency use; but there is no such thing as one size fits all.
You should sit down and do your year-end budgetting exercise for the next 2 years. You must seriously and consciously think through what are the expected expenses that may be coming up in next 2 years and how you are going to fund these expenses.
You should not be thinking that you can easily fund your expenses by liquidating your stocks next year.
Nobody can predict where the maket will be going in the next two years and you might be liquidating near market low. Heart pain hor!
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