For most people, following basic money rules makes sense. But like everything else in life, there are situations when following tried-and-true advice might not work. Our professionals weigh in on when to consider the exceptions.

the car itself, they’re very interested in what’s inside, warns Frank Scafidi, public affairs director for the National Insurance Crime Bureau.

“People are getting smarter about protecting their cars and locking them,” says Scafidi. But your vehicle remains a target because its contents—whatever they might be—have value to someone who sees them and wants them without regard for you, your property, or the law.

Here are five reasons your car might be a target.

Your grandmother may have called it a rainy-day fund. Financial professionals typically call it a cash reserve or emergency fund. Whatever its name, the purpose is the same: having some money set aside for when the unexpected happens so that you don’t have to sell things or go in debt to deal with it. And while the concept is fairly simple, there’s more here than meets the eye, starting with what is meant by “some money” and “set aside.”