Do you know why they say that amount? It’s for an emergency. Now if you’re monthly spend is less than 5k then having an emergency fund in easy access fundings of 5k would be sufficient to cover most problems till you access your other semi liquid savings outside of pension accounts.
euros in a low interest bank account. It’s stupid. Having 5k euro savings in easy access savings and the rest in investment that can be liquidated in a week is what experts would advise.