Most people I know keep an emergency stash of cash. Emergencies could range from medical exigencies to impulse purchases to ATM malfunctions to unexpected bills. Well, I am one of the few who never kept a stash like that. I was in labor (second kid), the contractions were fast and furious and the husband and I realized we had NO cash in hand! We had to scramble around to pay Rs.8/- to the parking attendant. Luckily Apollo, Chennai has an ATM on the premises.