I will create a savings account of $150,000 in that savings. This account is for when I have a lean month, and may not be able to pay all of my bills otherwise. This will only happen in a really bad market, and that is usually temporary. Needless to say, if my income came in very low, then I would definitely not do any discretionary spending. However, this savings will be a backup, and if I should have to use it – then it would be rebuilt when my money comes back.