I confess that I cleared out our joint account over the last 5 weeks. Now I'm trying to scrounge up money any way possible to re-create some of my "emergency" fund. Mark doesn't know, and he isn't going to know. Some of my ways of "finding" money include ripping my littlest sister a new one over the money I loaned her a year ago, putting off 1 car payment (I can do this 2x/year), and taking the $400 out of my tax account. I feel so stupid.