<prompt> Human: Our emergency fund was 9k, but weve taken two shots to the guts in the last six weeks and its now sitting at 3k. We can top it back up at a rate of about 2.5k to 3k a month if we cut out 100 of discretionary spending as well as stopping saving towards our christmas vacation tickets booked for Japan - should we prioritize getting the emergency fund back to 9k, or should we split it over a four or five months while also having some amount of discretionary spending and saving for Christmas vacation? We do not have any debt other than mortgage.  <response>: As quickly as humanly possible. Emergencies like to run in packs. 