<prompt> Human: Im not being an idiot here. I currently have a savings account and it is continuing to grow. I have no plans to stop this practice. Thisnis just a question.Because of the nature of my job and my husbands job, well never be jobless. I have a guaranteed paycheck no matter what for years to come. Same for my husband. We will always have a steady income.So if Im never without money, why do I need an emergency fund? Why do I need more than a couple thousand dollars because I do realize things may come up that are more than what I have on hand? Whole I continue to work towards the standard three months savings goal sometimes I ask myself why Im doing it.  <response>: Where does one get one of those guaranteed jobs? Anyway, job loss is one kind of emergency, of which there are many kinds. 