I think FF comes from your situation, don’t know that there is one correct answer for everyone.
For me, when I was on the journey, I decided that 12 months of paychecks would determine FF…  I think I was too dumb at the time to even consider the added cost of unemployment such as cobra and thankfully I didn’t experience it when I was on that step.  The economy was in a different place then, than it is now.
If I had to do it all differently now, I would definitely strive for a year, since that is the average time its taking a person to regain employment.   How old are the children?  Or rather, how many more years until they go to college?  I

How do you decide what the target is for your FFEF? I’ve got my EF back to where it was last year and I am putting money away for retirement and college but I’ve also been trickling money into the EF and I’m wondering how to decide when it is “full”.
3-6 month’s expenses is a big range, especially when you figure uncertainties like COBRA costs, possible unemployment insurance, etc.
In the worst-case scenario (high expenses no income) I’ve got about 4 month’s expenses so six months worst-case would be 50% more money.
That feels really high, though.
I am thinking (longer story deleted) that I want to save more towards kid’s college and also for house repair and some other things.
Wondering what you all are doing for a target number for FFEF?