<prompt> Human: Obviously theres context here. Things like a frozen pipe that bursts in the winter are clearly an emergency.But theres a lot of things Im not sure how to classify. There are lots of costs of home ownership I know I will have to incur, although maybe not when I have to pay for them, such as: Furnace replacement Re-roofing the house Replacing major appliances washer, dryer, etcDo these things count? Or should I be saving separately for this?I ask, because Im finding myself a bit spread thin; I have money auto-deducted from my paycheque that goes to building my emergency fund, savings for my annual gym membership, my RSPs Im Canadian - this is like IRAs, my pension, etc.Should I be budgeting even more money for the re-roof Ill need to do in 3-5 years, or is that what the emergency fund is for?tl dr; Known expenses of home ownership - do they get paid out from your emergency fund, or should I be saving separately for each of them as well?  <response>: If the appliance up and dies on you with no warning, its not fixable, and out of warranty? I dont see a problem with using the emergency fund. Knowing the washer is 15-20 years old and on its last leg? Ehhh you probably should have prepped for that one. 