Show of hands. Was anyone else financially and emotionally unprepared for 2020? This year has rocked our worlds with all the back-to-back emergencies and disasters that just keep cropping up. This year, I am more convinced than ever that an emergency savings fund is vital to weathering unanticipated storms. (Pun intended. What is up with the weather this year?) However, not all savings funds are created equal. If you lost your job in March, that $1,000 savings is long gone. A wildfire or hurricane tearing through your town probably means that cash on hand and home equity won't be covering your…