if you only think of emergency fund as fund that is set aside when there is surplus income then you might be getting it all wrong. well emergency fund is a fund set aside from any source of income weather weekly, monthly or annually. this fund does not have specifics, but you can set aside the little you can, from that source of income, and that can be considered as emergency fund. the most important thing i wan you to understand is that no amount is too small or too big not to set aside for emergency. if we Everly want our source of income to be surplus as you said then am afraid we might not even invest or set out our emergency because human want or desire are insatiable. you might want to have an income of $500 weekly to invest or $1000 and then you might still procrastinate again desiring to earn $2k monthly thereby you becomes a procrastinator and not an investor including a no coiner.
I don't think you are well presented in your explanation about an emergency fund, anyways when we are talking about emergency funds, this is an amount set out for needs that might arise abruptly, that is basically what this fund is being set aside for. You said that an emergency fund does not have specifics?
Do you really comprehend explanation before you reply? I guess you need to doore of reading before correcting me. I would have loved to explain again but I don't have the luxury of time to explain that. You can re-read again or betting still if you don't have anything to contribute just scrol and pass , you must not quote every post you come across expecialy the ones you don't understand.