<prompt> Human: Ive been seeing a lot of emergency fund posts here recently. I just wanted to share a similar experience. Im currently 20 and have been building an emergency fund for a while then extending it as savings. A couple of weeks ago I ran into car trouble that costed me almost 3000. It decimated my emergency fundsavings, but not the rest of my life. Always put money into savings, you never know whats going to happen.Unless youre me, then you know that something pretty bad is due to happen every couple of months.  <response>: Congrats! Having to use the emergency fund always sucks. Comparing it to the alternative of getting a credit card loan, it is much better. 