You should have 3 to 6 months’ living expenses in your emergency fund…but what if you can’t get to that money? Does your emergency fund need an emergency fund? That would be money you actually have on hand, not in a bank. And if so, how much? Today, many of us rely heavily on debit and credit cards for everyday transactions. They’re convenient, especially with the added perks of reward points or cashback programs. But as easy as it is to swipe a card, it’s still wise to keep a small cash reserve on hand. Why? Let’s take a look.