<prompt> Human: Okay, so Ive noticed theres this trend on this sub regarding emergency funds. The idea of investing all your money in the markets, but liquid investments, allows you to earn maximum interest and earnings with your fund, while you can put any emergency on a CC, have 30 days zero interest, sell your equities, pay off the debt, and reap the CC points. Im not going to lie, this is a great idea in certain cases, and Ive done similar actions for small scale emergencies. I think the issue lies in that most people commenting with this advice havent actually experienced a natural disaster or catastrophic emergency. The majority of people commenting invest everything, go on CC debt, then sell equities, YOLO havent seen long lines at a grocery store in a first world country, they havent seen their neighborhood under water, destroyed by earthquakes, or scorched by a storm.In a real catastrophe, hard goods, canned food, potable water, and medicine turns scarce, stores price gouge and ATMs have been emptied, or ransacked. You very likely dont have Internet or access to loans, since all the banks are down due to said disaster.Fences are knocked down, wild animals and dogs roam around, and may bite you. If you get an infection, or allergic reaction youll be at the mercy of whatever hospital you can find, and may have to pay people to take you to the hospital safely, away from potential looters and criminals. These are real events that happened in New Orleans, Houston, and Puerto Rico, and having cash and emergency supplies was well worth any negligible interest you may earn by maxing out every dollar you own.Plus, for the ones concerned about losing interest. With cash aside, youll be able to buy into market corrections.I propose a new way of looking at the emergency fund: include emergency supplies to pull you out of a disaster. Yes, you will lose some possible interest from not investing your EF, but you will have mobility and freedom in a disaster zone. In medicine, they say an ounce of prevention is worth a pound of cure, and the same applies insuring yourself against risks: a little preparation, is worth the cost of the insured, and may save your life.  <response>: Im slightly put off by the zombie apocalypse imagery. It always seems that the vast majority of those most effected by these type of events are those that dont have the capacity to evacuate. These are not people with stockpiles of cash and food, but those living paycheck to paycheck. I, probably like most of the people here, would pack a car and go to a safe area. 