Has anyone ever FULLY USED a 6+ month emergency fund?

I’m interested to hear if anyone who has held a 6+ month emergency has been in a situation where they actually needed to use all of it for an emergency such as prolonged unemployment.

I currently have a 6 month emergency fund and I’m considering whether to beef it up further. My lizard brain says it should be larger, but I’m struggling to imagine a scenario where I would truly need more than 6 months.

So, I’d like to hear ACTUAL examples of anyone who has had to use more than 6 months of an emergency fund.

submitted by /u/Anonymous__B
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