> $10k is nothing if you making half a million dollars a year and have $200k in credit with no balance, because your disposable income is probably $400-450k/yr.

> $10k is nothing if you making half a million dollars a year and have $200k in credit with no balance, because your disposable income is probably $400-450k/yr. There is no way someone making $500k a year has $400k of disposable income. Taxes will most likely be $120k; and other expenses will take up a sizeable about of that income. More likely that person will have $100k or less of truly "disposable" income. That $10k vet bill comes out of the budget for a high-end car, or out of the vacation budget, or a landscaping project gets delayed until next year. This, BTW, is why people who "have money" either buy pet insurance, or put the pet down. Many people who "have money" only have it because they are very careful about what they spend it on.