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Only 2/3?
That was my thought... if you don't need at least part of a paycheck to pay bills, you must be in great shape... or you aren't managing your money correctly.
"Nah, nah, I don't need to set aside any of this check for rent, I'll just pay it all out of the next check..."
I have enough saved up that I could probably go a couple months without pay before I ran out of money. Honestly, I'm not even that well off: Most months I spend my paycheque +-5%, if I go over I take it from a buffer account where I have about 60% of a paycheque and try to backfill it over the next couple months.
In my situation, I'm regularly low-key stressed that my buffer account is running low, and that I haven't been able to backfill it for several months in a row. I can't even begin to imagine how stressful it must be not even have something to fall back on if you suddenly get an extra expense that eats 10 % of your paycheque one month.
I'm still waiting for the day my "buffer account" is large enough that I don't need to stress about finances. Now, it would last me about 2.5 years and that's apparently still not enough.
I suppose it's all relative, but in many cases being able to survive one missed paycheque could mean simply having $1k in the bank. Surviving several months is another story.