An emergency fund is only an emergency fund to someone who doesn’t have one. Once you have one, it’s for the unexpected, and there are almost never financial emergencies.

"I had a boiler Unexpected Event on erev Pesach"

😛 if you have 100M in an emergency fund, that would still be an emergency 😜 I’m talking about financial emergencies, not religious or time-based ones.

What about the expected spending spikes ie yom tov. You use a different fund for that?

these are called "sinking funds"

yes I have a yom tov category in YNAB to pull from