&gt; I expect that, for a broader population, a better question would be around the size of their &quot;emergency fund.&quot;<p>Which other studies have revealed is &quot;basically $0&quot;. This question is <i>highly correlated</i> with what you are referring to for the average American. You&#x27;re just in a bubble so you don&#x27;t see the relation because it&#x27;s not related <i>for you</i>.<p>That&#x27;s ok, but what I&#x27;m pointing out is that it&#x27;s <i>not</i> &quot;essentially meaningless&quot; and dismissing it as such is actually being out-of-touch.