I did say that. You got pissy because I didn't agree with your over the top hyperbole, then you said a lot of ridiculous nonsense, and now that you're ridiculou

I did say that. You got pissy because I didn't agree with your over the top hyperbole, then you said a lot of ridiculous nonsense, and now that you're ridiculous nonsense has been called you're trying to retroactively pull back on your claims. Financial discipline is hard, it's totally understandable why people don't save as much as would be optimal. I also don't save as much as is optimal. It requires good financial discipline to save money when your budget is limited. But it doesn't require living like a monk or spending every minute of every day pinching pennies to put away $1000 to $3000 or so per year for most Americans, and if you do that you'll be insulated against the kind of minor disasters that happen once a decade or so.