<prompt> Human: Pretty simple Q for yous. 15k in cash. 20k Credit Union VISA CC at 8 cash with drawl 8.10k Amex CC at 15 Love my Amex.4900k Home Depot at 0 if paid off in time. No debt just a house note and a car note. Things got that bad they can have them. For the bonus if I got laid off I would get about 17k in UE payments. Hoarding cash is not going to help me. Working on the 401k and paying the house note off in 8 years. I also have 5k to 30k I could dump for cash if it came to that.Thanks Guys...  <response>: 15k in cash.This is your emergency fund. 20k Credit Union VISA CC at 8 cash with drawl 8. 10k Amex CC at 15 Love my Amex. 4900k Home Depot at 0 if paid off in time.These are not emergency funds and should not be considered as such.Only real, actual dollars that are yours in a bank account should be considered toward your emergency fund. No debt just a house note and a car note.In other words, you have two debts. Things got that bad they can have them.Huh? For the bonus if I got laid off I would get about 17k in UE payments. Hoarding cash is not going to help me. Working on the 401k and paying the house note off in 8 years. I also have 5k to 30k I could dump for cash if it came to that. Thanks Guys...Do you have a question? 