maria is in the process of determining how much she wants to keep in her savings account for emergencies. if she is following the advice of most advisors, how should she calculate this? maria is in the process of determining how much she wants to keep in her savings account for emergencies. if she is following the advice of most advisors, how should she calculate this? she should save 12 months of her salary. she should save 3-6 months of what she typically spends on non-essential and essential expenses. she should saving 3-6 months of essential living expenses. she should save 12 months of her family's total income.