How much emergency fund is enough in Singapore?

Sole breadwinner here too, so I hold more than the textbook 3 to 6 months, I keep 9 to 12 months of expenses because if I lose income the whole household stops. Size it to your risk: single income, dependents, mortgage, or unstable industry all push you toward the higher end. Where I park it, in layers. First layer, 1 to 2 months in a plain savings or high-yield account (the ones where you hit criteria like salary credit and card spend) for instant access. Second layer, the rest in a mix of Singapore Savings Bonds (SSB, redeemable any month with no penalty, so genuinely liquid) and short-dated T-bills laddered so something matures regularly. That way most of it earns a decent risk-free return but I'm never more than a month from cash. Don't chase yield into anything with lock-ups or market risk for emergency money, the whole point is it's there when everything else goes wrong. Liquidity first, return second.