There’s no explicit command in Scripture regarding emergency funds, just as there aren’t explicit commands for many other things. However, there are some verses and examples that teach us prudence and wisdom in our finances are a good idea. Here are a few for your consideration:

Proverbs 21:20 – Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it.
Proverbs 22:3 & 27:12 – The prudent sees danger and hides himself, but the simple go on and suffer for it.
The example of Joseph advising Pharaoh to save 20% a year for seven years to make it through the coming famine. (Genesis 41:34-36)
There are also many verses advising against debt. The lack of an emergency fund, among other things that come from a lack of saving, puts many people into debt.

Wisdom in preparing for the future is never condemned in the Bible. Jesus told us not to worry about what we’ll eat or wear. Being consumed with worry is very different from saving and preparing for the future. Jesus told us not to store up treasures on earth and not to serve money. Being consumed with greed and a desire to be rich is far different from saving to meet needs (not extravagant wants).

Thank you.