<prompt> Human: I am curious what different life scenarios are out there that have required use of emergency funds. What happened? How much did you have? Did you have enough to cover it? What did you learn fron it? Hopefully some examples will get us thinking about our own funds and whether we are ready for a tough situation.Edit: wow, these are great examples of some hard to plan for situations. Keep em coming! I will summarize them up here later on.Summary: Bail for family, unexpected tax bills, deaths in family, debt paydownoff, income stagnation vs inflation, job loss, planned trip during unemployment, housing payments, car repairs, pet repair, dental, medical, home repair, medical, traffic citations, interviews for new employment, stipend delay  <response>: Company shut down my department in my current office, which sucked... but they liked me, so they want me to move to a different office. Its where I want to be anyway, so I move. They pay costs, yay! I cant find any place to live at a reasonable cost, but I do find someone trying to get out of their lease and offering a good deal. I take it over for a few months, then move since the normal rate is higher than I want to pay. Job seems really secure -- multiple departments want me in them so even if one gets their project cancelled, I can easily switch to another. So I sign a year lease for a better rate...3 months later, the project didnt do as well as hoped -- continuing support staff is reduced, but Im kept on. As I said, Im pretty secure here, theyd need to shut down the entire office for me to be in trouble. 2 more months and... oh, look, they shut down the entire office. Landlord is out of the country on a month vacation with very limited access to any communication. I find a new job I really like, but Ill need to move again!, and we need to find someone to take over the lease. Well, we had to fight hard to get this place, Im sure someone will take it... oh, wait, no, because of some minor complications such as the difficulty reaching the landlord we miss out on the good renting season.Need to pay security deposit for the new place. More moving costs I negotiated for higher base pay instead of having the company cover moving costs -- same amount per year as I would have gotten once-off, though delayed somewhat. Lots of extra gas money driving back to the old place a couple hours away to show it off on weekends and keep it maintained. Still confident we can find someone to take the old place... confidence wanes after having to pay double-rent for a few months. We finally manage to unload the old place in about the same way as we got the first one -- offering a good deal that was still better than having to pay the rent for the entire remaining duration of the lease. Oh, and on top of all that, my SO lost her job during that time frame and was unable to file for unemployment for reasons. So yeah, lots of emergency fund drained, but we made it through without needing to get into loans. And thats why you keep enough to cover multiple months of full bills, and only use it for actual emergencies. 