We're down to one income now because my wife is a SAHM (and will be for another year or so). We can basically live on my income (while continuing to fully fund retirement accounts) but we might dip into our emergency fund a bit to do some house stuff. I don't want to cut our retirement savings, so my plan is to make up any shortfall from our taxable (Vanguard index funds). We currently have $30K in our emergency fund, of which we might spend say $10-15K between now and next September. I tend to be overly conservative, though, so we might end up needing less than that.
My question is, is there any particular time I should sell to get additional "emergency fund" money or should I just wait until we actually need it? I guess the reason I'm thinking I should sell sooner than later is because I know that I shouldn't have money with a short timeline in equities (I don't have bonds in the taxable). At the same time, selling now (to avoid a potential dip) feels like market timing to me.
Sorry if this is a dumb question -- I've never withdrawn money from the market before!