<prompt> Human: So i was thinking the other day about moving some funds and wanted to make sure i had enough available for emergencies. Could i count my 401K account through my employer as a portion of my emergency fund? it is an account that i have used in the past if i needed cash fast through a loan that takes 2 days before i have the money. Additionally, i have PTO cashout from my employer that takes 1 day processing and i can convert PTO to cash, but will pay your standard income tax on. long story short, can i consider my emergency fund to come from the following:20 401k40 PTO40 cash?Thanks for all your help.  <response>: I wouldnt consider my retirement savingsinvestments as an emergency fund. 