### Comment:
An awful lot of people don't have 3k in savings. If your making 30 - 40k a year, and have high rent costs, a family, etc etc... it makes it difficult to save much at all.

### REPLY:
That’s bs like 99% of the time and it’s usually difficult because they piled on debt that they could have avoided if they just had saved up for an emergency fund earlier. Most people are just not willing to change their lifestyle drastically enough.

### END.