"I have a healthy amount in retirement funds, an emergency fund, investments, and a just-for-fun savings account. I had all of that before I got my promotion and since then haven't changed my lifestyle that much, so I'm on track to be able to buy a starter house with cash in two or three years."
"He has an emergency fund, but it hasn't even covered his last two emergencies. He doesn't even have three months saved in case he gets fired. He has barely anything saved for retirement and we're in our 30s."
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