<prompt> Human: We had a power surge in my home this morning when lightning struck nearby. Part of my house is without power, and most of my electronics are fried. Electricians cant come out until Thursday. I dont know whats covered by insurance yet since theyre closed today. But Im not stressing because Ive got the emergency fund for things like this if they dont cover.So thank you, rpersonalfinance, for stressing the importance of building and not touching! an emergency fund.Sorry for any formatting errors, Im on mobile.  <response>: Emergency funds take financial emergencies and stop them from becoming life emergencies. Getting laid off, when I had 6 months of income in savings? It made interviewing for new jobs so much easier. I wasnt desperate. I was still able to think through my options clearly. 