Can we talk about how folks treat their emergency fund like a regular savings account?
I've been watching friends in my book club, and three of them have dipped into their emergency cash for a vacation or a new couch. That's not what it's for. The whole point is to have a separate pot of money, like $1,000 to start, that you only touch for real surprises like a car repair or a doctor bill. If you keep using it for wants, you're back to zero when a real problem hits. Has anyone found a good way to keep that money feeling 'off limits'?