Thank you everyone! This has been very helpful! And LWest, your problem sounds terrible Fortunately, my snake cannot get a prolapsed hemipene because she has lady snake parts, but that is just awful. Your poor snake and your poor wallet.

I think I will put away about $250 in an emergency fund. Gotta include the gas to get there since it's not exactly around the corner. And just hope and pray I don't get a $1,300 emergency, I don't know what I would do.