"I am barely making it each check and you want me to have money set aside? HA!" If this is you I want you to know I have been there! I used to think it was insane to expect me to have an emergency fund. I used to laugh at the idea of having money put away for emergencies. I can remember a time when we overdrawn $400 and didn't know where the money was coming from. The last thing I thought of was having extra money set aside. That being said, I am a HUGE advocate for it now!!