I EDC $200 for emergencies. I built it up slowly by adding $20.00 a paycheck to my stash until I got the $200 level. In addition, I also have emergency money stashed in each of my vehicles.

I feel for you on the expensive commute. I had a relatively new tire blow out on my way home this week. That and the $3.00 a gallon gas is killing me on my 50 mile daily commute but I have friends that have an even longer one so I don't complain too much.