<prompt> Human: Background: I am a new grad starting out at a pretty good salary 65k, no student loan or credit debt. I know this is something that is very rare and generous, but my parents have offered to be my emergency fund barring any dire financial event or disownment. They are in good shape financially, stable salaries, 401kRoth IRA savings, and other investments property development but dont know details. They also dont have irresponsible spending.Should I also have my own emergency fund? If so, should I contribute a lesser amount? Especially as I am just starting my earnings and could put them to use elsewhere instead of sitting in a liquid account.Thank you.  <response>: Allow me to rephrase your question for you. Should I, a grown manwoman, who makes an above-average salary remain dependent on mommy and daddy, or should I put on my big kid underwear and take responsibility for my future on my own? 