<prompt> Human: I bought a town house about two years ago, and since then I have been living there with two other roommates. Since then I have been slowly rebuilding my emergency fund. My questions is should I make sure the fund has the amount I would need with no roommates, or can I assume that roommates will always be there?  <response>: I would plan for worse case scenario, that they wont be there. At best you are ready for the day that may happen and at worst you have over saved I wish I had that problem and have a nice emergency fund in case something major were to happen. 