<prompt> Human: Yes, thats correct. My husband and I are English Teachers in Asia, and we have a combined income of about 52,000. I have student loans from my MA that total 37,000. Our plan is basically for me to work for free for two years so that we can throw everything at the loan. I will contribute about 500 a month in expenses and then everything else 1700 will go to the loans. Is this a good plan? Keep in mind that we live in South Korea and have accommodation for free, and our spending habits are really thrifty. Assistant: I would save a little bit for an emergency fund, but other than that, sounds good.Human: My husbands salary is our emergency fundsavings. In Korea last time we both saved about 12,000 in one year. Assistant: Correct me if Im not clear, but are you saying that whatever money he potentially brings in will act as an Emergency Fund? If so, that is not an Emergency Fund.The whole point of an Emergency Fund is to have a reliable stash of permanent, liqud cash that can be used to get you out of a horrible situation, an example being if your husband lost his job. Its for this reason that investments and potential income are not considered an EF.Human: I dont understand why people are so opposed to marriedcommitted couples sharing financial responsibilities on this sub. We work for the same school. He is paid the exact same amount as me. We have an emergency fund of his earnings and my savings if necessary. Assistant: Ive seen the opposite on this sub... married couples should share their finances. Human: Right? So why the copious negative comments here about how I absolutely should not share finances with my DH, or how I absolutely must have access to funds on my own in case...he leaves or summat? Assistant: I think the original comment was stating that you shouldnt depend on a paycheck as the emergency fund but instead an account that has a specified amount in it for emergencies that is never touched. For example, say you get paid on Fridays and your husbands income is your emergency fund. Emergency occurs on Tuesday and now you must wait until Friday. I see you mention you have your own savings as well so if that is your emergency fund then that is fine. The concern is depending on emergency funds coming from a future source because the future itself is not always reliable. Edit- Im now seeing the negative comments. I had not scrolled down far enough. In regards to the parent of this comment, my response still stands. Human: He and I work for the same school and have the exact same paydate. This is not an issue for us.  <response>: I dont think youre understanding what is being said. 