I don't agree. In the circumstance that all those bad things happen, you are obviously better off if you did save. Get an infection and can't afford antibiotics

I don't agree. In the circumstance that all those bad things happen, you are obviously better off if you did save. Get an infection and can't afford antibiotics, you could possibly die, whereas you could survive if you had money. Kid grows up and you can't pay for college, "Oh honey, we didn't expect you to be so smart so we spent the money on burgers."