How much should a new immigrant keep in an emergency fund given visa uncertainty?

Aim higher than the standard advice because your job and visa are linked. The usual rule is three to six months of essential expenses; for many visa holders, six months (or more) is wiser. The reason is the 60-day grace period: if you're laid off on an H-1B, you have just 60 days to find a new sponsoring employer or leave the country, and a strong cash cushion buys you breathing room to job-hunt rather than panic. Keep this money in a high-yield savings account, liquid and separate from investments. If you have dependents or are sole earner, lean toward the higher end. Build it before you chase aggressive investing. See wealthserene.com/tools/emergency-fund.