In the event of a bank collapse money in the bank isn't going to be available. And as we saw when both the farm crisis hit in the 80's and the housing bubble just a few short years ago land values can go down. Even gold is subject to market trends.
But to the OPs question? The US military told us 3 months pay in the bank. Then congress for most of my career kept us 3.5-13.5% behind the cost of living making it impossible to save 3 months pay! Also as we saw with the past recession, even with extended unemployment people were still out of work 2 plus years later. People were out of work for 8 to 9 years during the great depression. So it's subjective as to how much you should have to fall back on.
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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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