As an American with over 10k in their emergency fund, it would be really nice if it didn't have to be that high! That's 3 months for both my wife and I to not w

As an American with over 10k in their emergency fund, it would be really nice if it didn't have to be that high! That's 3 months for both my wife and I to not work at all if needed, or one trip to the ER for a "major" accident. I would love to only need to keep a few thousand bucks in the case that my car breaks, and even then, that's likely overkill for the actual repair costs relative to the value of the car. I don't own a house, I don't have any debt. I'm 8 years into my career and I've just now getting to building a positive net worth. I've put off so much medical/dental maintenance because of the cost and now it'll take half of my savings to fix all of it. I know I'm doing a lot better than many folks my age. Top 10% for my age, but it sucks knowing that elsewhere in the world, they're doing some things so much better. It's one "benefit" of the internet connected world; we can see what everyone else is doing and how others solve hard social problems. Fixing those social problems in the US though, is continuing to be extremely difficult and we're still likely decades away from catching up to parts of Europe, and by then, we'll still be decades behind what they'd be doing then. Sometimes I wonder if my life would feel better if I didn't know the term egalitarianism.