Dave Says: Emergency funds should be kept within reach

Dear Dave,

My husband lost his job last week. The good news is we're completely debt-free, and we have a six-month emergency fund saved up. I work part-time, since we have young children, and I've been bringing home about $800 a month. Should we cut our budget down to bare bones now, or do you think we could continue living as usual for the time being since we have so much money saved?

Jayme

Dear Jayme,

I'm sorry to hear about your husband losing his job. At the same time, I'm really proud of you two for saving and preparing yourselves financially for this kind of scenario. Eight hundred dolla...