Is having an emergency fund a failure to trust God? Shouldn’t a Christian rely on God in case of emergencies?

On account of the Fall, life is uncertain. Difficulties abound. Trouble is always brewing. Jesus promised us that in this world we would have afflictions (John 16:33). Those who heed Jesus’ words (aka the wise) plan ahead– This isn’t a refusal to trust God. Planning ahead is actually what it looks like to trust God.

Proverbs 22:3 The prudent see danger and take refuge, but the simple keep going and pay the penalty.