Member post / 회원 글Community question, experience, information, or opinion. It is separate from source-backed Money & Why analysis and is not expert verification.
※ This is a Money & Why starter discussion prompt created by the editorial team.
More coverage can reduce saving capacity, while less coverage increases risk. What criteria help you decide what is enough?
Please share your situation, reasoning, or genuine experience rather than presenting one guaranteed answer. Product promotion, guaranteed-return claims, signal groups, external solicitation, and requests for sensitive personal information are not allowed.