<prompt> Human: How do you manage your emergency fund? Do you keep them separate for different emergencies or do you just keep one big account for everything?I was thinking about a goal set up for the following emergencies:1. Need to replacerepair things2. Unexpected medical expenses3. One or both of us lose our jobsix months of home expensesBut I thought that I would more frequently end up with a broken AC unit or a cavity and less frequently lose a source of income, so instead of keeping separate accounts, just keep one and replace used funds as necessary? Simpler maybe?Any thoughts?  <response>: If it makes more sense to you to split them up, there isnt much of a reason not to. ING Direct and other banks make it easy to open as many savings accounts as you want. I currently have 3 for different purposes though Id only call one of them my emergency fund.The thing to remember, though, is that it is all the same money when it comes down to it. If you have a medical expense thats larger than your medical expense account, of course youll take some out of your loss of job account. The most important thing is that you have enough total money to be comfortable, how you divide it up is just your personal organizational taste. 