<prompt> Human: If Ive been saving 20 every month for about two years and have not had any emergencies where I needed to draw from this, is it reasonable to take money from my savings to treat myself to something expensive, like a trip? Im not sure if the 20 savings rule is money that I absolutely should not touch unless I have to?  <response>: Its probably a good idea to leave a certain amount of money untouched in there as your emergency fund, but using your savings account to also save for a vacation is totally a legitimate use for it. 