text:  in cash, but get it done today. You should have a little bit of cash. Come on, man. I mean, really. So either develop a game plan out of your income to have an emergency fund in place for the next few months or cash out this utility stock. But, no, you can't call your utility stock an emergency fund. It's just not smart. Never invest your emergency fund. And here's the thing to remember about emergencies, emergency funds.