Quote:
Originally Posted by dredge
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having an emergency fund is great, unfortunately not all of us are perfect, some of us are busy juggling 10 things at once all while tossing and turning in bed all night long wondering how they can get their kids some new shoes for school and buy some groceries.
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This is a ridiculous cop-out and a pathetic inability to take responsibility for your life. It doesn't take time or effort to make a smart decision like, say, not spending more money than you have-- just requires discipline. You think people who save their money and make smart financial choices can only do so because nothing else is going on in their lives?
Consider this: had you saved an emergency fund in the first place, you wouldn't be worried about being able to buy shoes or groceries. At some point, you took that shoe/grocery money, and you did something else with it, probably something stupid.
It's human to make mistakes, but to not take responsibility for them is an epidemic behavioral deficiency in this country.