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Just cos it's warchest, doesn't mean it's not invested, you won't need it all at once. So, of course you max out share ISA's every year, offset the mortgage, NS&I, 3yr bonds etc.
I think it's a bit pointless having more than a years worth, if you're out of work for that long either you're skills are outdated and/or after a year off with a huge CV gap, unemployable....
Mind, my last (and only) gap was 7 months, bit close for comfort.....
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