DH and I both get paid every other week, and it's nice because we are on opposite pay schedules, so we have money coming in every week. Although I panicked today because when I called my bank's automated teller line, DH's paycheck hadn't posted. Well, our cc bill was scheduled to come out of the checking account today also, and there wouldn't have been enough $$ in the account to cover it w/o his paycheck. All of our emergency fund is either w/ ING (3 days to transfer a withdrawal) or in a CD. Turns out, the bank's computer system was down, so no transactions were posting. But it's a lesson to me to have some extra money (other than the checking account) locally if I need to get to it "today".