I had a heck of a storm blow through. Power lines are cut, internet lines are cut, multiple mature trees down, fence smashed, half the roads are impassable, generally an "adventure". I am zen though. Drove over to the hardware store on the tail end of the storm to buy a gas chain saw (I have a small electric one, but multiple 2' thick trees down in my yard require upgrades). Didnt even have to look at the price because *that's what the emergency fund is for*. 20 minutes later I'm on my roof cutting off pieces of a half-shattered tree before it snaps off the rest of the way and goes from "ominous hovering" to "inside my house". I might need to call in a tree service with a bucket truck for some large, snapped sections that are caught +50' up and a hazard whenever they eventually fall...but that's what savings are for. Here's money, make the problem go away. Texted work a picture of the ents invading my yard and told them I wont be available until...the heck if I know. No big deal, that's what savings are for. A sizeable portion of my fence is smashed flat from the top 50' feet of a tree snapping off, dropping 20' to the ground, and obliterating it. No big deal, that's what savings are for. I can build a new fence. I'll probably lose the food in my fridge and freezer before power is back, but meh...that's what savings are for. I can but more food. I might get a hotel if the power situation is SOL long enough, and I do not care what it costs. Emergency fund will handle that. My spouse and I are safe, doggo is snoring on the couch, and all is well. Because I saved an emergency fund, I have no financial stress over "surprise, Treebeard smashed up your stuff like Isengard".