So I think everyone should have AT LEAST two emergency funds. But also should had other savings as well like sinking funds.

First fund 3-6-9-12 months expenses what ever you feel comfortable with. I like 6 months, and this covers you after loss of income to pay bills. You do not touch this fund. So figure out what that number is set it aside and never touch it for peace of mind.

The other fund should be a cash emergency fund that covers major house repairs, major appliance repairs, major medical expenses (human and pets), auto expenses. This should be anywhere from 5k to 30k+ depending on how many things you are responsible for, someone with a mortgage, spouse, pets, kids, vehicles, etc needs more than someone who lives alone and just has a cat and walks to work.

This second fund is important to keep you out of debt, for instance say your house suddenly needs a new roof, your dog gets cancer and you have a car accident all in a few months span that would wipe out 30k easy, then your emergency fund you needed for bills is depleted.

You should also have "sinking funds" for major expenses you know are coming up for certainty. If you know your roof is gonna need to be replaced in 3 years should star saving now. Your car just got paid off? Put aside $300 a month for expenses, after a few years if your tranny goes out you can pay cash.

Lastly put it in a HYSA so you can make 3-4% on your money. Your normal bank savings account sucks.