<prompt> Human: I receive about 2000 a month from the government compensation for disabilities from the military. This payment will continue for the rest of my life. I just got a 13,000 lump sum back payment and Im wondering if I even need a emergency fund since that 2000 is guaranteed?  <response>: The only people who dont need an emergency fund are those who already have one. If you dont have one, you need one. 