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I personally wouldn't be able to sleep comfortably with just a two year buffer - but that is just me. Some people would say that I am conservative. This is a really good point. I work out my shortfall before my tax return. The other thing to allow for is that if you start using your...

This is not a bad strategy as it gives you a very good equity base and less chance of things going wrong. Yes, this is a risk, and YMan has outlined many others as well. I am not sure if you have read Jan Sommer's books, but she advocates having surplus cash each year to put against your...