Luckily for me, I have never needed my emergency fund. But I'm the same as you, I don't know how people can sleep at night without one. I've been close to the

Luckily for me, I have never needed my emergency fund. But I'm the same as you, I don't know how people can sleep at night without one. I've been close to the edge at times and it is incredibly stressful. People seem so comfortable carrying a massive amount of debt. I'm currently on the best paying job I've ever had, and although the financial planners around would say that I'm holding too much liquid assets (I'm not sure what to invest in), it certainly makes me sleep well at night knowing that I could survive frugally but comfortably for probably 2 or more years without a job.