<prompt> Human: Background---My wife and I have stable jobs and live in a very conservative community. We are relatively conservative and simple folks. We have no student loans, no credit card debt, no medical bills... our only real debt is our mortgage and car payment. We never had a car payment until last month and always paid our cars in full but we wanted to sell one of our cars to purchase larger vehicle since we plan to start a family in the next year or two.Emergency Fund---My wife was experiencing severe abdominal pain and required an emergency appendectomy removal of appendix surgery out of the blue! I have good health insurance through my employer but we are still required to pay a minimum annual deductible we are relatively healthy and have not paid any of the deductible to this point in the year and 20 co-insurance.Long story short, after health insurance and money in my HSA we still owe a decent chunk in medical bills. The emergency fund will take a little hit... but that is the point! I am glad we set aside money in an emergency fund to plan ahead for emergency situations.I know this post does not provide any advice or information for rpersonalfinance but I just wanted to stress the importance of an Emergency Fund!TL;DR - wife had emergency surgery and we have unexpected medical bills. Our Emergency Fund will allow us to pay the medical bills and not require payment plan through the hospital.  <response>: I wish more people would realize this.There are days where I just want to smack my best friend in the head. She complains about being broke and never has any money saved. The reason is she lives a lifestyle that she cant sustain. Recently she got into a car accident and did not break anything. However, she has back pain and can not work as required by the doctor. She wants a new job that is easy on her back since working at a grocery store is too much. What she needs is a reality check, she has no education, and she does not have the personality for sales, and she has minimal work experience. Right now her boyfriend is footing her bills. Thank you for being responsible. 