Offer your thoughts or opinion on the input financial query or topic using your financial background.

What expenses do most people not prepare for that turn into “emergencies” but are not covered by an Emergency Fund?
The way you ask this is interesting, it implies (quite correctly) that for many, an annual bill for house insurance, property tax, etc, can turn into an emergency. My answer to the true emergency is a breakage that can't be foreseen (although you have to know the furnace isn't going to last forever) or a medical bill that's not covered (our dental is limited and the Mrs root canal can be $1000 out of pocket)