No. of Recommendations: 1
Though if I was a $5K repair or something like that where I'd just have to withdraw the money short term then roll it over, I might just do that as the consequences seem quite small.

You are most likely going to have credit card applications thrown your way. This can work fine with your income to cover short term expenses, even high cost ones. Plus the interest charged is a great motivator, and you get 30 days free money if paid off in full by the end of the billing cycle. There are lower interest credit cards out there. Credit unions tend to be the place to look for those. A $5K limit on a card kept only for that purpose would go a long way to covering emergencies...more even better.

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