When you aren't paid what happens? Thankfully for our EF nothing. I logged in and moved the paycheck amount from our sink fund into our checking account to cover our mortgage and bills. Days like today I am pretty grateful I took the lowest common option and did the refinance from 30 year fixed to 7 year arm. As ridiculous as it sounds the extra $720/month still went to savings but it just feels like if we had to we could cover the $3100 easier tha $3800.
But this non-payment is probably standard for a startup. Yes they have money but it's outsourced and there was a problem proabbly because it was a 3 paycheck month. I suspect this sort of snafu will happen when you outsource the work. Just like how we are navigating our new helath insurance which isn't as comprehensive as DH's last job but better in many ways because it's a better network (blue cross blue shield versus aetna). Aetna was the worse because no one took it.
Because of this I think that we are definitely looking at spreading out the cost of the new furnace. I think that outlaying $15k in one go doesn't make sense since we may have to cover this type of mistake again. If people wonder this is what an Emergency Fund is for. To not stress out about covering your expenses. I do think Dave Ramsey is correct in being gazelle intense about debt. But I disagree about $1000 baby EF. That wouldn't cover half of our mortgage payment. If it were me I'd probably have an EF of at least half a month of expenses plus my mortgage payment. Otherwise I don't know what I would do if we had only $1000 cash.