<prompt> Human: So to give a little background, Im in the military and I live in military housing. So I dont pay for a mortgage or rent, and I dont pay any utilities electric, water, etc.. Would those not be included in an EF? I am building towards 6 months of my bills. Cell phone, internet, car payments and insurance and stuff like that. Is that the correct way to do this? Just take 6 months worth of your bills and put them into an interest bearing account? Also do I put short term debts in an EFcredit cards?  <response>: I think it would be a good idea to include what the start up costs of renting your own apartment would be into your emergency fund. Just kind of estimate what firstlast months rent average security deposit, deposits for those utilities etc would be if you suddenly needed to find your own apartment tomorrow. 