 who writes, hey, Jill and Mark, I was thinking that this question, why do you say retirees should have one to two years of an emergency fund, should be part of an email question show, not a whole episode. Jill often says she wants callers who are talking about or approaching retirement to have one to two years of emergency expenses in cash. But if you have guaranteed sources of income in retirement, pension, Social Security, why would you need that much? I thought emergency savings were to replace lost income.