On the other hand, $4500 is nearly 3 months of income for quite a few people, pre-tax. ($10/hour, 40 hours a week for 3 months is $4800). And it isn't like you

On the other hand, $4500 is nearly 3 months of income for quite a few people, pre-tax. ($10/hour, 40 hours a week for 3 months is $4800). And it isn't like you are going to be able to save much at those wages. In other words, a significant amount of Americans have little-to-no money saved.