[markcampbell]

3-6 months of salary is not the measurement. You need an emergency fund of 3-6 months of expenses. That amount is easily achievable for someone who is a few years out of college which is generally someone who is young, no mortgage, and no dependents.

If someone wants to make the commitments of mortgages or dependents, then that's on them and they still need to have that 3-6 month emergency fund, except the amount will be higher because of the added responsibilities.