<prompt> Human: Long story short, I busted a tire. After all the mishaps I had earlier in the week, I only have 23 dollars left in my bank account until tomorrow. So now Im stuck putting it on my credit card, which is fine but I couldve gotten more done easily if I just had enough cash for it all. So how much do you recommend to keep on hand for emergencies and mishaps?  <response>: At least 3 months worth of your normal spending. 