Zero.

Been remote for 8+ years in my career, and there's always another 100% remote job to jump to if you search hard enough and don't settle. Luckily, the longest I've been without work is 3 months, during which time I had savings to see me through.

Looking for remote jobs is also a great filter for bad companies - an old-school micromanager-run company would never allow remote work in the first place.