<prompt> Human: I got paid today and was looking over my stub as usual when I noticed I have accumulated almost 3 months of PTO. If I leave my job or get terminated, I will be paid my PTO. I was wondering what the thoughts of PF are about having less money in an emergency fund when you have accumulated several months of PTO that would help supplement in the event you lost your job.  <response>: If your employer declares bankruptcy and fires you because of that, it is unsure how much, if any, PTO is paid to you. If you have a non-work related emergency, then the PTO doesnt help at all. 