<p><pre><code>  &gt; There is no way rare situations like that really add up to that much savings.
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It&#x27;s not rare situations: it&#x27;s everything. Also, take this particular cost and multiply it by the number of kids. This is just one particular example. Others have mentioned related situations like emergencies, which can have even higher dollar amounts.<p><pre><code>  &gt; A bigger issue is just poor longterm thinking.
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Stuff like this only works if you have the space to store it. My family did, luckily, but before we moved out of the small apartments we started with, we didn&#x27;t really have the room.