If you, like many Americans are going through a tough time right now, ask yourself these seven questions before dipping into your emergency savings:
1. Is this a true emergency?
2. What benefits do I have access to?
3. How much income do I need to survive?
4. Are there other accounts I could tap first?
5. Are there ways I can supplement my existing income?
6. Are there purchases I can wait to make?
7. How soon can I replenish my savings if I use them?