‘Dave says’ You always need an emergency fund

Dear Dave, I’ll be retiring in the next couple of years. When I leave my job, we will have a yearly income of $65,000 through my pension. I don’t think we need an emergency fund with such a dependable, steady income stream like that, but my wife disagrees. She says she would feel safer if we had money set aside just for the unexpected. What do you think we should do?