Final answer:
According to Ramsey, a legitimate reason to use your emergency fund would be medical emergency, as it is unexpected and may require immediate financial resources. option c.
Step-by-step explanation:
According to Ramsey, a legitimate reason to use your emergency fund would be c. Medical emergency.
Medical emergencies are unexpected and often require immediate attention and financial resources. Having an emergency fund can provide the necessary funds to cover medical expenses that may not be fully covered by insurance.
On the other hand, going on a vacation (a), buying luxury items (b), and regular monthly expenses (d) are not considered legitimate reasons to use your emergency fund. Vacations and luxury items are discretionary expenses that should be planned and saved for separately, while regular monthly expenses should be covered by your regular income and budget.