Basically, you’ll have to decide whether to:
Stay on track with your goals and replenish your emergency fund later, or ;
Reduce your savings/debt goals or put them on hold until your income picks back up.
If you choose Option 1, you’ll simply stick to your goals and add them to your emergency budget. If you choose Option 2, simply adjust your emergency budget accordingly.
When it comes to savings goals, it probably makes sense to put them on hold while you’re in emergency mode. But debt goals are a little trickier, since you’re accumulating interest. To help you decide what to do about your debt goals in an emergency, consider some expert advice on emergency funds vs. debt payoff.