I'm on two minds with the idea of the emergency fund. At first I thought it was a great idea. Now I am finding that I am thinking about what could go wrong with it. What would classify as an emergency and what would not? Who would be in charge of the collection of the money for the fund? How would it be distributed? Would you need to show some kind of proof from the vet that you actually have an emergency? I'm still thinking about it. Just a little nervous.