Each time I've had to withdraw money from our savings account it hurts. I think about the long hours we worked to save that money. I think of the extra time my husband put in away from us. I think about all the long nights I spent working only to get up early with my babies.
And then I remind myself how grateful I am that the money was there. When our car AC went out and I had two small children to drive around in the Alabama heat. When my transmission needed repairing. When our fridge suddenly died over Easter weekend, when my son needed medical testing, when our inside AC unit had to be replaced. My emergency fund was there to see me through. Whether it was our starter fund of $1,000 or our larger emergency fund. The money was there.