I think there's probably the assumption that a lot of these people have some money saved up outside of just emergency funds. I know quite a few close friends,

I think there's probably the assumption that a lot of these people have some money saved up outside of just emergency funds. I know quite a few close friends, for instance, who are saving up "F You" money to be able to quit their job and do what they want (even short of full FIRE movement folks).