<prompt> Human: This year Ive really focused on building up my emergency fund, but this morning I find myself sitting at the mechanics waiting to get new front brakes. On the one hand Im so thankful that I had my emergency fund to draw on, but on the other hand I find that Im beating myself up because I had to use it. Anyone else find themselves faced with these feelings, and if so how did you reconcile them?UPDATE: Thanks for all the support. I was just so happy to be one of those people who had over 1000 in my emergency fund. Theres no way Im going to do them myself, but I like the idea of starting a second fund. At least I didnt have to ask for any financial help from family and friends. Thanks one and all for the kind words!  <response>: Stop thinking about your emergency fund as a standalone, static thing that shouldnt be touched. Emergencies happen, and you need to pay for them. Part of that process now involves building the account back up, just like you would any other that got depleted. 