Easier said than done, this article proves that there was one who did save, but when he lost his job and was out of one for over three years, he went through the 125k he had in his 401k and then the 40k he had in his savings. Sometimes things do come up that we have no control over. Now for those who never had any intentions on saving then I don't know what to say about them. But I personally know of a few people who have hit hard times to where they had to do short sales on their homes to keep from filing a bankruptcy. One of my girlfriends who was single, she has since then rebounded but it scared her, I was scared for her too.
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No matter how much we prepare things will come up. All the more reasons to have that JIC (Just In Case) funds account.
@bubbleyes72:  I agree that things can happen that eat your savings that you have no control over.  But that article shows that the majority of Americans are NOT even trying to save. Most of my retirement funds are in a 401k.  If our economy and the banking/investment companies collapse, that "money" is gone.To help my two kids start their own JIC funds, I gave them each $5k.  My son is older and he has tripled his savings and is looking to buy a house.  This is my daughters first year of teaching, so she hasn't been able to save much yet.
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