I do have an emergency fund, I do think it is vital.

I would like to add that this emergency fund should be an account that takes advantage of rising interest rates.

https://www.doctorofcredit.com/high-interest-savings-to-get/

I have mine in a savings account with 1.6% return rate, paying out monthly. Rates will probably rise 2-3 more times this year by at least .25%.