Probably most working class people in the US if they even have savings. In 2015, in the US, only 40% of the population spent less than they earned in a year and

Probably most working class people in the US if they even have savings. In 2015, in the US, only 40% of the population spent less than they earned in a year and only 39% said that they could come up with $2k in an emergency: https://www.usfinancialcapability.org/downloads/NFCS_2015_Report_Natl_Findings.pdf https://www.usfinancialcapability.org/downloads/NFCS_2015_Re... Those numbers sound optimistic when I look at the rural, low income town that I grew up in where my family still lives. If those numbers don't seem to match what you see in your social group, you probably live in a bubble.