A post over at Free Money Finance about growing your net worth, got me thinking about my emergency fund. I had sorta forgotten about it – in a good way, because I've had it running on autopilot for the last several months. I have my direct deposit split so that $200 per paycheck goes into my emergency fund account, and the rest is split among other budget categories. It's nice to see that I'm now about 30% toward my goal (I updated the meter on the right).

Okay, I'm going to admit something that is a little embarrassing. It probably even will seem a bit dangerous – and stupid – to many people, especially to any fellow personal finance bloggers out there.

I don't have an emergency fund.