<prompt> Human: Hello all, I read through the FAQ on EF but couldnt find these answers. I am having a hard time building an emergency fund.1 should there be a distinction between my emergency fund and general savings if Im not currently saving for anything in particular?2 should a credit card be considered part of the fund?  <response>: To answer your questions:1 As long as youre not going to touch the funds, but once you dip in for a non-emergency then its really no longer an emergency fund. That money should hold a seperate category at least mentally so that it will be there in case you need it.2 No, they can help a fund, as in you dont need to keep as much in a constant liquid state eg a savings account that accrues very little interest but that youre able to access immediately, but they dont add anything to a fund. 