How much cash should I build up before changing jobs?

Before a planned job change, aim to have at least 3–6 months of essential expenses in liquid savings, and lean toward the higher end if the new role is risky, if there's a gap between paychecks, or if you're leaving voluntarily without another job lined up. A new job often means a delay before the first paycheck, a probationary period, possible relocation costs, and a wait before benefits like health insurance kick in. Extra cash covers that transition without stress and gives you the freedom to leave a bad fit if needed. If you're being laid off, factor in any severance and the timing of unemployment benefits. Build the buffer before you give notice if you can. Map the transition — paycheck timing, benefits, and costs — using wealthserene.com/for/job-change.