Suze, I remember when the emergency fund used to be six months. Now, you say eight months. Why do you keep changing it? Is it supposed to keep increasing? How do you now arrive at the eight months?—Gayle King, host of Ask Oprah's All Stars

Suze Orman: I did it because I knew it was going to take at least eight months to one year to get a new job if you lost the job that you already had.

Suze's advice on how to build an emergency fund

What's so sad is sometimes it's taking us now two years to find a new job. So it's now eight months of a minimum of an emergency fund. And that is so key, I can't even begin to tell you.

Next: A lot of people are still out of work. Will it get better?