Build it Back Up: After you’ve used the money in your Emergency Account for an emergency, you have to start building it back up. You know that something else will happen, but you’re ready for it. You have a habit of earmarking money specifically for this account now. The next time something unpredictable happens, you’ll be ready. You’ll pull a few dollars out of your Emergency Fund, thank goodness that you have one, and move on with your life. No worries about where the money will come from, no taking out a payday loan, and you’ve corrected whatever went wrong. And, of course, you’ll replenish that emergency fund so that you’re ready to deal with the next unexpected surprise that comes along.