Having a few thousand dollars floating around in your bank after payday might feel like an emergency fund, but if you don’t have a separate savings account set up and funded as your designated emergency fund — meaning you only touch it if an actual financial emergency occurs — it’s not actually for emergencies.Read more: Here are the 7 top habits of ‘quietly wealthy’ Americans — how many do you follow?If you find the app helpful, for a limited time you can get 50% off your first year with code MONARCHVIP .T ...