I know Dion says the renters pay your reserves, but it still hurts. Just this morning, I started to get a glimpse of what reserves really are, at least for me. I have had 30k in reserves for 2+ years, and it's always sat there as a buffer. I never thought I'd actually use it all. In the last few months, I'm down to 9k. I've had a really tough time with this especially since I don't have the W-2 income. What helped my little brain finally stop thinking about it was this. Some investors will keep gold in their portfolio to store value, IE spending power. I know a reserve account is not exactly the same thing, but to me, it is similar in that it is being set aside for a future purpose. Gold gets exercised for liquidity when needed, and my reserve account was exercised when it was needed. Essentially, both did what they were created for. I know people say reserves are an insurance policy. For me sometimes if things are put forth so simply I gloss over it. I don't know if any of this resonates with anyone else, but I figured I'd at least share it in case one person got some solace in it also. :) It was really messing with my mental state and this helped me. :) Have a great day!