<prompt> Human: Hey all. I appreciate the insightadvice. Me and my partner are currently working on building up our emergency fund. Goal is 10,000 which is 6 months of expenses. In addition to that we have a House emergency fund goal 5000, car emergency fund goal 5000, and dog emergency fund goal 1000. The idea is that the specific emergency funds are enough to deal with smaller incidentsrepairs and then also the regular maintenance oil changes, vet check-ups, and the larger emergency fund is for shit the sky is fallingwe both lost our jobs unexpectedly etc. This makes sense to me, but is there a betterdifferent way to approach it?  <response>: You can label them however you want, but they add up to 21,000 and having that single number may be ultimately be easier to manage. Consider the scenarios: The dog gets sick and has a 1300 vet bill. Thats more than your 1000 goal. Your car gets totaled and with the insurance payment, you need more than 5000 to get back into another vehicle. So the point is that you may have to borrow money from one category. If its just a single 21,000 pot, then theres no borrowing. But, do what works for you. The main thing is that you have the emergency money. 