As you may have read in the previous post, life happens. Our fully loaded emergency fund, which was three to six months of expenses, was washed away by a job loss and the economic impact of a global pandemic. While it hurt to see the fund drained, it served its purpose and got us through our roughest storm yet. Like the old saying goes, “two steps forward, one step back.” In our scenario, it was more like two giant steps back, one itsy-bitsy step forward - the baby emergency fund.