If you, like many Americans are going through a tough time right now, ask yourself these seven questions before dipping into your emergency savings:

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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?