We actually had a contingency fund till my wife needed rotator cuff surgery on both shoulders within an 18-month period. In spite of the fact we HAD insurance, we still ended up some $24,000 out-of-pocket... which drained all reserves, killed an old IRA and but a balance on a couple of credit cards. That was 2011... we've been playing "catch up" ever since... unsuccessfully.
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That is a sad example of what causes many to spiral out of financial control. I hope you were able to deduct some of the expenses from taxes for those years at least.