<prompt> Human: Hi,I work in investments and came from a financial planning background. I am recently 23 and have 0 student debt. I have about 2500 in a company stock plan, 3500 in my own investment account beat the bank goal for a house eventually.I pay for everything I can short of rentcar insurance with my credit card to help build credit, being as I have no debt to help with that. I spend roughly 1000month on the card and have a much higher limit. I usually pay it all, if not all off, every month. My savings account has like 100 in it and my checking which I use for the CC payment fluctuates between 1500-3000 depending on how much I transfer over to my brokerage account to invest. My questions is; is it stupid to not have a true emergency balance i.e. in savings. I feel like worst case situation I can throw whatever on my credit card and then tap either of my investments if the worst were to happen. I feel very secure in my job and if I ever were to be terminated I am pretty confident I could get a new job very quickly not trying to be a dick just confident through my connections. Long story short: Should I care about a more true emergency fund at this point in my life?  <response>: is it stupid to not have a true emergency balance i.e. in savings. Very.I feel like worst case situation I can throw whatever on my credit card and then tap either of my investments if the worst were to happen.In a not-even-worse case scenario your lines of credit are revoked without warning and your investments halve in value. 2008?I feel very secure in my job and if I ever were to be terminated I am pretty confident I could get a new job very quickly not trying to be a dick just confident through my connections.Everyone feels secure in their job until they dont.Long story short: Should I care about a more true emergency fund at this point in my life?Its up to you, but your current strategy seems to be based on a lot of very questionable assumptions. 