Anyway what I was talking about was not only emphasizing on the emergency fund but how emergency fund is gotten from, according to  pjcr7 he was talking about emergency fund to be a fund that will be kept when we have surplus money and this surplus money is coming from our source of income, and now my explanation is not only talking about emergency fund but talking about us not needing to have a specific amount amount that will be surplus before keeping emergency fund. When I am talking about not being specific, I am not talking about emergency fund not being specific but not needing to have a particular amount or source of income before setting aside emergency. Aside that even if I decided to say that emergency fund is not specific I may not be wrong neither because apart from knowing that emergency fund is meant for emergency, does it have specific circumstances? No. No one knows the type of emergency that will happen and what it will look like, meaning it has no specific, it is a fund kept for the unknown or for an unforseen circumstances which is likely not specific. So I dont have problem about you disagreeing with me or not, since everyone opinion is welcome including the ones that are not relevant.