We live paycheck to paycheck. Hubby is paid weekly and I get child support bi weekly. I can't work at the moment due to health issues. So we can't save. We actually end up 60 or so in the negative most weeks on his account. I had like 3k saved up and it was used. Some people can't save. Now if we chose to be on public assistants we could save but instead I try to make it work without it. So not everyone can save for an Emergancy!