 yeah i gotta tell you something funny here so you know i'm talking about emergency funds i asked my husband just yesterday i said now tell me about our emergency funds and we have three mike three because he has one in one bank and he has one in another and another i'm like what are you what are you why why aren't they all together why do they have to be in different ones and he's just afraid i don't know he just says well it's just too easy to get to it if it's