<prompt> Human: Talked to a military financial advisor who is pretty well off and has many investments. He doesnt believe in having emergency funds, especially being in the military and having a secured income. He feels that is what credit cards are for a credit card that you dont use unless for emergencies and has a high limit. He says why have an emergency fund when you can put it towards investmentsretirement. And how often do emergencies come up? Which made sense because i never had any real emergencies that required me to have 50k as an emergency fund, which could be used for investmentsretirement. Thoughts???Edit: he said at least keep 10k  <response>: Hes wrong, and Id avoid using his services if hes wrong about something so simple.You also dont need a 50k emergency fund. 6 months is more than sufficient. 