okay. the recommendation by most financial experts is you have a six-month padding of emergency fund to take you six months out. medical bills, car bills. going back to your point of the change in psychology of spending in the country. 71% of all u.s. workers say they re now in debt. that s up from 68% a year ago. credit card debt and household debt taken on. it s astounding. the lasting effect of that. you re looking out years and decades. you think about the kids graduating from school today. they o ep upwards of a hundred grand in college debt. you re lucky to get a job as a barista at starbucks. there are challenging times ahead. we realize this. a lot of us here on the couch have kids. we think what is their future in the economy. unless we plow through the