Life journey is full of amazement. There are instances in which emergency expenses may occur at any point of time. It is important to maintain a significant amount of emergency fund to cater to such unexpected expense. I maintain about eight years of expense. This varies from individual to individual. The most important thing is for one to be comfortable and have the peace of mind sleeping at night. Having the peace of mind is precious for me and I will not exchange it for any cost.
When the emergency occurs suddenly, it is unlikely that people will be able to assist one as everyone has his/her commitments at any point of time. It is more prudent to rely on ownself to solve the pressing and immediate matter which is likely to come with the cost. There is a saying that a problem which can be solved by money is not considered as a problem. I agree with such statement.
Relying ownself is the way to go in dealing with the unexpected expense.