I Am Second
No lol when I say cash I mean on hand no banks. Like money I would need if couldn't reach local bank or didn't have card. So $500 cash then 2k local bank and 10k emergency fund online bank.I could personally think of a lot of emergency's that could come up where $500 would not be enough. Car repair more then that, unexpected medical or vet bills. House repair. Have to miss work for some reason. Lots of things can go wrong.