<prompt> Human: Or, worded differently, how liquid should an emergency fund be?I have an online savings account with Ally that I consider my emergency fund. If anything goes wrong, I just plan on using my credit card, transferring the money over from Ally and then pay the bill when I get it. I also make sure to have a few thousand sitting in my checking account for quick access to cash. Is this system good?  <response>: Yep. I do the same. 