 why i would be taking some of that for the next car because i don't like i i like to keep a carton cash good well here's the thing car is not an emergency to upgrading car you're going to do with cash and leave as much as you need the emergency fund three to six months of expenses create a different savings account for a car because what happens is people get confused over what an emergency is and all of a sudden you just bought you know accrues to cabo as an emergency and this is also cool you pay off those two houses today