Not to mention the fact that a $400 dollar emergency is on the low end. In my experience, most emergencies that have cropped up have been closer to the $700-80

Not to mention the fact that a $400 dollar emergency is on the low end. In my experience, most emergencies that have cropped up have been closer to the $700-800 price (Doctor bills (after negotiation), vet bills, temporary relocation, etc).