Most of you have some money saved for emergencies, and if needed, all it takes is a trip to the ATM or bank to withdraw your funds.
Ryot mentioned that in addition to their emergency fund, she and her husband keep another, smaller stash of cash on hand.
We also have a small amount of emergency evacuation cash, in the bag with the food, water, flashlight, ID docs, etc. Having both makes me feel safer, though obviously I could be doing much better with the interest rate thing . . .