Six month cushion is great… I’ve read that if you have a 3-6 month “emergency fund” set aside, that’s a good thing.
You can use that instead of taking out loans / racking up CC bills to deal with an emergency situation (something big breaks on car / house)
As for discipline, well I hear ya man but if you have discipline to put aside 6 months worth of living expenses I’m sure you know when an expense is a MUST and when it’s not.
HOWEVER if you are a hobo in the 518 area (who stole internet access and joined Shift) and $200 represents 6 months worth of living expenses ignore the above sentence… :lol