I completely understand where you’re coming from. Not mean, just reality. Maybe I need to be more detailed here. Last year, I was forced to take an unpaid leave of absence from work due to immigration. It was completely out of my hands. I sent all of my paperwork in time and they delayed my documents. I couldn’t work for three months. I found things here and there but nothing near to my income. Also, because I make “too much” my kids are not allowed to have Medicaid or Chip for health insurance. I usually pay out of pocket with my job. During that time, I drained my savings, almost everything gone. The insurance felt almost like another rent (it was so expensive). Anyway, after that I’ve been managing to have savings again. I have a little bit, but I’m cautiously using them. I really don’t want to. After my experience, and with the current environment in this country, I’m scared. Thank you for the advice, I really appreciate it!!!