Who has actually used their emergency fund? Tell us about it!

[starshard0]

I have excellent job security, plus all of my utilities are payed for (I literally have $0 of expenses per month). Needless to say, I don't have an emergency fund, and instead I invest all of the money I make. I do plan on saving up a big chunk over the summer (getting a promotion), and I will probably set that aside into my savings instead.