> if they don't have a 3 to 6 month emergency fund that's on them A lot of my friends are fresh college grads, moving into the world, and suddenly finding them

> if they don't have a 3 to 6 month emergency fund that's on them A lot of my friends are fresh college grads, moving into the world, and suddenly finding themselves without job opportunities. They haven't had time to get established in a career, much less build up a 3 to 6 month emergency fund. There are plenty of people in the US who are living paycheck to paycheck, where an unexpected $500 expense would be financially difficult for them [1]. From a position of security and with the benefit of hindsight it's very easy to say "oh well, they just didn't prepare enough, it's their own fault" when in context that's a rather shortsighted take. Part of it is poor financial literacy, I'll grant you that. We should take strides as a country to improve that. But perhaps a larger potion is that simply most people don' t have the luxury of advanced financial planning, or the ability to actual act upon that planning. Please have more compassion for your neighbors. See also, this other comment from this thread: https://news.ycombinator.com/item?id=22588601 https://news.ycombinator.com/item?id=22588601 [1] https://news.ycombinator.com/reply?id=22588681&goto=item%3Fid%3D22588035%2322588681 https://news.ycombinator.com/reply?id=22588681&goto=item%3Fi...