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Why is everyone saying how desperately we need to save money “in this economy”?
As you point out in your question your risk level is personal.  If you really believe your job is stable there is no more risk.  However the overall evidence is that most jobs are less stable, and if you do lose your job you're likely going to be out of work for a while.  One thing to consider though is that if you have planned on emergency credit in the past, that option is not really viable anymore.