I used to say 10k is enough to solve one major problem in my life and that was it. Enough to bailout a relative, enough to move across the country for a new job, enough to rebuild after a fire/flood, enough to buy a reasonable car in cash. 10k is not just money, 10k is a force in its own right. It represents one thing that should destroy my life or someone around me life nd make it go away.
Many years ago my wife wanted to finish her degree and she made 2k a month. I gave her my ten thousand and told her to focus on studies for five months. Worked out.