Hi Reader, Happy St. Patrick's Day! I saw this funny cartoon, and it reminded me of when I decided to change where I track my emergency funds. I stopped tracking my emergency funds in my budget. YNAB likes things simple in that you can add your emergency funds to your budget. But I've learned that doesn't work for me. It was too tempting to move money that was supposed to be for emergencies into my budget for non-emergencies. So now I keep my e-funds where I can't see them on a regular basis....