9. Which of the following statements regarding planning for a job loss or job change is NOT correct?
   1. In a poor labor market, it will take longer on average to find a replacement job than for a similar job in a vibrant labor market.
   2. A general rule of thumb is that clients should have an emergency fund equal to 3 to 6 months of nondiscretionary monthly cash flows.
   3. Cash flow planning is of little importance when planning for a job change or job loss.
   4. Health insurance becomes a major issue for the unemployed.