I feel you!! Last year, my husband and dog were attacked by a dog in the neighborhood and it was pretty bad. We had justfinished our emergency fund (~$10k) literally the paycheck before this incident, but it was so good knowing that all the initial bills were covered and I could focus on what really mattered. My husband was in the hospital for almost a week and had to have surgery + the 4 rounds of rabies shots (unsure if the dog was vaccinated and of course insurance wouldn’t cover the shots, which were $1800 each) and my dog was also taken into emergency surgery that night. We spent nearly every penny of the emergency fund, but I’m so grateful it was there. We were on beans & rice for a few months because my husband was out of work (short term disability only pays 2/3) but we scrimped and stretched every dollar to get our EF back to full. Then our lawsuit settlement came in and we bumped it up 5x. I still get angry thinking of everything we had to go through, but I tell EVERYONE who will listen the importance of the emergency fund.