I would say your family is unique in this case based on this article I read earlier this year.<p><i>&quot;Approximately 62% of Americans have no emergency savings for things such as a $1,000 emergency room visit or a $500 car repair, according to a new survey of 1,000 adults by personal finance website Bankrate.com. Faced with an emergency, they say they would raise the money by reducing spending elsewhere (26%), borrowing from family and&#x2F;or friends (16%) or using credit cards (12%).&quot;</i><p><a href="http:&#x2F;&#x2F;www.marketwatch.com&#x2F;story&#x2F;most-americans-are-one-paycheck-away-from-the-street-2015-01-07" rel="nofollow">http:&#x2F;&#x2F;www.marketwatch.com&#x2F;story&#x2F;most-americans-are-one-payc...</a>