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If I hadn’t saved, I probably would be dead right now. The US doesn’t really do healthcare or mental care, and I no longer can sustain myself. Long COVID is a bitch and doctors usually ignore it.
But if you’re banking on never having an emergency, go for it. There’s a balance to hit, at least in less developed countries like the US.
It’s valid, and it sucks. If you can even do $5, it’s worth it. But the world is absolutely against you right now. A lot of older folk don’t quite get how bad it’s gotten.
However, saving a dollar today is worth more than saving two dollars ten years from now. And having an emergency fund might actually save your life.
Hopefully something happens to shake up housing. These prices are absolutely criminal.