### Comment:
&gt; Everyone should have an emergency fund. If you don’t then it’s your own fault. 
  
 So a guy with an 85 IQ who earns $10 an hour and pays two thirds of his income on rent should 'make better decisions!' and 'take responsibility!' 
  


### REPLY:
Unless you physically can’t improve your own life yes I don’t see why everyone can’t. I’m talking about people who can decide to make better choices and improve their life.

### END.