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[quote=Anonymous]Do you have one? 
- Yes

How much is in it - both from an actual dollar perspective, and from a months-of-expenses perspective?
- $30k in one easy to access account, $20k in two harder-to-access account. It's about 9-10 months of spending at a reduced rate, not cutting things like cell phone, cable, etc.

Where do you keep it?
- Money market account, municipal bond account, Treasury direct account

What is it intended for, i.e., how do you define an "emergency"?
- If I lost my job or had unexpected mid-sized expenses. I will replenish it some when tax refund time comes, but I'm somewhat worried what I'll do if unexpected expenses come fast and furious. I suppose I could always move but I don't want to do it and DW is particular about the sort of place we will live in. I am too but in different ways, so I guess it balances out. She'll get upset if a vacation is canceled 2+ years in a row but would probably be ok with 2-4 day trips. DW will have trouble balancing 2 kids AND working, she has admitted it, and apologizes in advance to the sisterhood for failing them.

Do you have a separate fund for unplanned yet expected expenses, like big home repairs, or do you lump it all together?
- No, it's all lumped together.

Have you ever used it? What for?
- Not yet. [/quote]

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