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coins behind glass with words In Case of Emergency Break Glass The reason emergency funds exist is to provide financial support in the case of a significant unforeseen expense, and health care costs are one of the top expenses most people will face. (Photo: Shutterstock)

If there were a financial 10 Commandments, establishing an emergency fund with three to six months’ worth of living expenses would be near the top. Most experts will tell you this is a critical requirement for overall financial health and well-being.

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