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> I’ve always kept an emergency fund that’s well in excess of my OOP max.

29% of households have < $1000 in savings, and the median is $11,700[1].

$1000 disappears almost immediately given deductibles, and $11,700 isn’t that far off either. People just don’t have the chance to “get ahead” when making <$15/hour.

[1]: https://www.google.com/amp/s/www.cnbc.com/amp/2018/09/27/her...



I agree with this, but we're not talking about <$15/hour; we're talking about the middle class.




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