<prompt> Human: A few weeks ago, I had to make an emergency room visit. For some reason, I assumed my 100 copay would cover everything. I guess I thought this because the last time I went to the ER several years ago, that was all I ended up paying. But this time, I had more extensive work done, including an EKG, chest x-ray, IV antibiotics, and several labs.I just received my EOB, and owe around 600. Which pales in comparison to the actual ER bill, but I wasnt expecting it. I had a moment of panic, but after a small breath remembered I have an emergency fund with several times that amount in it.Ill hate taking the money out, and my mind cant help but think of everything Ive been saving to buy that the 600 Ill have to spend building it back up could go toward instead, but this is exactly why its there. Ive worked hard my entire adult life trying not to repeat the financial mistakes my parents made, including a complete lack of any savings or emergency fund. This would have been a disaster for them, but for me itll be a small blip of well that sucks, and then I can move on. I still have a long way to go to get where I want to be, but this was a nice reminder that Im actually in better shape than I give myself credit for.  <response>: Think of it this way - it was 600 from a fund you can replenish over time or 600 to a high-interest credit card or having to make payments which the hospital may or may not allow. 