The words we choose matter.

When you save money, would you rather that money be used for your financial independence or for an emergency?

I believe when you have your Financial Independence Fund there will be no such thing as an emergency.  Your mindset shift will result in emergencies finding somewhere else to happen. Plus, you will have adjusted your finances in a way such that what used to be an emergency for you financially will now just be a minor inconvenience.  In the off occurrence where you actually withdraw from your Financial Independence Fund, you’ll just quickly replenish it just like you did before.