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The longer you have your FFEF, the less likely you are to use it. For example, this weekend I had to replace a couple tires on my car. I didn't have to touch our FFEF because we have a sinking fund for car repairs. Earlier this year we had to have our roof reshingled. Again, no need to touch the FFEF because we have a home maintenance sinking fund. We're probably getting new gutters before winter - most likely the FFEF will not be involved.