I can quickly access \~$40K in highly liquid investments if it really comes to it and I am fortunate enough that my parents would have my back if needed in an actual emergency. Of course I'd pay them back in time but they would want to help me protect my investments.
Being pretty young still I just see it as being worth the gamble that I can pump any extra dollar I have into an investment than sitting around doing nothing or at best be in a hysa.
Anyone else have any insight beyond just the generic everyone needs an emergency fund or don't count on your parents?