Do I still need an emergency fund?

 It seems Sunday has turned into my days for contemplating money problems (I still love God more, not money!!).

I had a loose plan of shutting down my credit union accounts once my remaining CDs mature. They are making the process of changing my name too complicated. They've been great for BillPay so I didn't want to change, but it has to be done.

I don't have plans to move back to MD any time soon and just in general I'm always looking to trim down accounts.

Right now the credit union has a checking and savings account I use for Bill Pay and also some CDs that were part of my old emergency fund.

Now that I briefly reached my FIRE number, do I still need a separate account for an emergency fund?

I was thinking of moving my cash accounts to one of my brokers since they are starting to offer cash accounts and bill pay and I would get a Visa card. 

But there are a couple things at play here.

- Psychologically, I like the idea of keeping my FIRE money "under the mattress" so to speak in that I don't have to look at it everyday. Everytime I have to log-in to do regular banking, I don't want to feel like I have to make a decision or be presented with data that I have to process.

- What do I do with the CDs? There's only about $8k left in CDs, the rest were converted to FIRE Year1-2 Cash. Do I still keep that as an emergency fund separate from FIRE money? I think I'm loosely in pre-retirement but not fully FIREd. So do I just continue the status quo as though that money doesn't exist at all? Or is my FIRE fund the ultimate emergency fund and safety net?

I think keeping it in CDs away from regular spending is probably a good place to start.

Also with my regular Bill Pay, I generally try to keep 1.5 mons expenses in each checking and saving. I think I just like separating it for a couple reasons. If my debit card was ever compromised, I liked that not all my money was in there. And I think just having those limits psychologically curbed my spending. Having only what I needed in the checking account to cover that month's expenses seems to be a beneficial guard rail for me. Having too much in there at one time makes me feel like I can spend it all. 

So what I'm hearing with this little chat with myself is that I still need guard rails. But how do I do that without opening yet another account? Is that an option?

I know I don't want an app only account. We'll keep thinking. 

In other news, I randomly used Expedia to search for flight and hotel to Portugal and it looks like I can do a week in Portugal with excursion for about 2-2.5k! It was so easy, I almost booked it. 

But then, oh yea! I am cash strapped at the moment and have a $10k credit card bill! Honestly, these 0% interest cards have me fooled that it's not debt. 

I was so traumatized by my most recent travel booking experience that I just wanted to book this trip right away instead of being back in this mental hem-haw stage in a month or so. I slightly convinced myself to wait until this trip is paid off because 0% debt is still debt but we shall see. 

If I choose a long layover, I might get to cross Spain off my non-existent list. I'd always thought I'd do Spain and Portugal together anyway. 

So yeah, I put in some random dates in October and just went with the first recommended hotel. It was just built this year, so I was sold. The price started at $1500, but if I book a few excursions (~$500) and plan an overnight stay in Madrid (~$500), I'd be at around $2500. Seems like a lot, but I think I'd be okay with it. 

For the ease of booking and lack of hem-hawing, I'd be okay. 

Is it okay to get in 0% interest debt?