I had an unexpected medical emergency this week and while insurance will cover most I’m still expecting the total bill to be around 5k... this will deplete my emergency fund to only 3 months worth...

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I’d replenish it over time. When you take money out of the market you’re not only taking that amount out, but also future earnings.

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Most healthcare entities will set up a 0 interest payment plan. Call and ask. Be prepared to give them a monthly payment that you could make.

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Should I start pulling money out of the market to replenish it or just wait it out? It will take me about 5 months to replenish it naturally with paychecks.

Some will even give you a discount if you call. When paying the dozens of random bills for our last child I called each of them to ask and several offered a discount for immediate payment and others offered payment plans. If you can spread it out over 3-6 months (at no additional cost) you should be able to maintain the majority of your emergency fund.

Even if there is no payment plan available by the time it goes through your insurance and is actually billed to you there may be a 1-4 month lag before you actually have to make the payment.

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