>>I’ve had at least 6 months expenses, most of my life at lest a year or more in the bank, starting when I opened my first bank account at 8.<<
How much living expense can you have at 8?
Seriously, people get their back to a wall and look for the easiest lifeline. It is a bad idea, but they do deserve some sympathy.
There, but for the gifts from God, go I (us).
The emphasis here should be to USE CREDIT properly, as a support, not a crutch.
And I have been paying my credit cards down to zero for 20 years.
“How much living expense can you have at 8?”
Since I had a 200 paper route, I had to maintain the bicycle that I bought myself and gas and oil for it since i bought a Whizzer motor and put on the bike that made it easier to do the route plus I was the only kid in grammer school with a motorbike!