Mateo's disposable after-tax income is $65,100. He has always saved $500/month for his annual vacation. Everything else goes towards covering his expenses. Recently, however, Mateo was injured and was on temporary disability leave from work. Unfortunately, his employer did not have Short Term Disability insurance. Mateo, therefore, did not receive any disability benefits while on his leave and struggled with his finances as he no longer had any income coming in yet the expenses continued, in addition to receiving high medical bills for his treatments. 

Now that Mateo is back at work, he does not want to ever find himself in that same situation. He heard about building an Emergency Fund to help create a safety net for emergencies or unexpected expenses. He understood that the recommendation according to financial planners is to save enough to cover 3 to 6 months' worth of expenses. 

Mateo wants to set this Emergency Fund money aside as well as continue his $500/month in savings for his annual vacation. What is the minimum emergency fund Mateo should maintain? 

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