<prompt> Human: Hi,Long time lurker here. I am entertaining 4 separate estimates for a new roof coming in around 10,000. I have an emergency fund of 11,000.I own the house but have only lived in it for under 2 years. I dont think we would have much equity. How do I determine that? I dont want to blowout my emergency fund, but Im not interested in taking a 10 personal loan. What are my options here? Are there any recommendations on approach? I know paying cash is preferred always, but I am scared that a true emergency will pop up and I will have no cash.  <response>: I would probably want to do a split.Use 5k of the emergency fund, and get a 5k loan. 