What’s sad isn’t how far off you are in your conception of what the process looks like; what’s sad is that what you’re describing sounds like an entirely reason

What’s sad isn’t how far off you are in your conception of what the process looks like; what’s sad is that what you’re describing sounds like an entirely reasonable security effort, and it’s disappointing that it has almost no reflection in reality. 500$ is also more than the majority of Americans have in their saving accounts. (http://money.cnn.com/2017/01/12/pf/americans-lack-of-savings/index.html http://money.cnn.com/2017/01/12/pf/americans-lack-of-savings...)