> There are financial instruments like loans where you can for a fee get money which you can use now and pay back later. If you’re poor your credit history is

> There are financial instruments like loans where you can for a fee get money which you can use now and pay back later. If you’re poor your credit history is likely shot. Good luck getting good terms on that loan. > Yes. I don't even have a job that pays well and I could quit my job and live for years if I wanted to off my savings. It means your job in fact does pay well. > you should have a buffer in case you can't work for whatever reason or something unexpected happens. You should also not get sick, have an education, be born into a wealthy family. There are a lot of nonactionable “shoulds” one can throw around.