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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?

$75K (not sure how many months that would cover but at least 6); also keep a HELOC open (zero balance but could use any time if needed)
 
Where do you keep it?

Savings account (cash)

What is it intended for, i.e., how do you define an "emergency"?

Major calamity (job loss, serious illness, some sort of disaster not sufficiently covered by insurance)

Do you have a separate fund for unplanned yet expected expenses, like big home repairs, or do you lump it all together?

Something like a car repair, replacing an appliance, tree falls on fence and smashes it (not like that would ever happen ;-) ) etc. would come out of checking (I keep at least $20K in there as a cushion & then replenish it after those kinds of expenses)
 
Have you ever used it?  What for?

No, have not used the "real" emergency fund b/c I keep extra in checking to cover "smaller" emergencies.

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