<prompt> Human: I am not having this problem; its just something I was thinking about today. The advice is always to save up 3-6mo of living expenses so you always have something to fall back on. However, what do you do if you have an emergency while youre still trying to build your emergency fund? Or, on a similar note, what would you do if you had a second emergency after already depleting a large portion of your emergency fund? Perhaps this is something that happens so rarely that we just never discuss it, but I was just curious to hear what people think.  <response>: Pretty much do what your emergency fund is there to prevent: take loans at possibly high interest rates, put it on credit cards with even higher interest rates, sell off valuables, etc. 