Like they say in construction “Safety first”. Basically it’s an emergency fund but I like to call it safety first fund. This safety fund is your lines of defense, basically like your steel toes boots, safety gloves, and safety goggles. This will help protect you from dropping a hammer on your foot, Ouch! Metal chipping flying and hitting your eyes. This is the same concept for the safety first emergency fund. Having some line of defense will help minimize going into further debt because of unexpected events.