<prompt> Human: Married, 4yo daughter, wife doesnt work outside the home. My wife had a stillbirth about 4 months ago. Our budget did not exist for the first six weeks after, and was only slightly more disciplined for the next 6 weeks.Thousands extra in restaurants, toys and other splurges happened. A weekend trip to Disneyland. Burial costs. Still had to pay the hospital. We spent about 10k. I make 3,300month after deductions including retirement health. It was traumatic enough, I couldnt imagine worrying about money or not being able to afford a recovery trip to the Mouse. TLDR: It might be worth thinking about uses of an emergency fund other than job loss, and sizing yours accordingly.  <response>: Because devastated 4 year old daughter 