I understand that many people really truly don't have any other options. Their kids need to be fed and clothed, etc. Or maybe they just don't earn much due to t

I understand that many people really truly don't have any other options. Their kids need to be fed and clothed, etc. Or maybe they just don't earn much due to the economic landscape or whatever. It can happen easily and quickly, unfortunately. I certainly don't blame these people for not saving! On the other hand, its because these things can happen so quickly and easily that one should really prioritise getting a little safety net tucked away. I'm not saying "no-fun-expenses-allowed", but putting away something is a good idea (or paying off (some of) the high-interest debts like credit card debt would be a good too), if you can at all afford it.