I would need $10K... which... coincidently... I have in savings.

Not to say that I'm some high-roller... but the back-bone of any personal financial plan/theory/ or responsible living habbits is to have 6 months cash reserves available for emergencies.

Unfortunately... if your "emergency" funds are spent on needs such as new spinning-rims, that new riffle, and/or a nicer car...

I don't feel to bad for you when you run out of saving/cash in an emergency situation.