@TheTrueFIREGuy You people are absurd. So much garbage you find here. You are part of the trash.
"You should never payoff off a mortgage uner 4% early."
You have a lot learn in life little man.
@MegBartelt Most people do not have an emergency fund.
My fifteen year old son has about $3000 in his emergency fund and I have told him what is for. For when he is on his own.
@MegBartelt Emergency funds are for emergencies only.
If you Don't have a job:
You still have to
Eat.
Pay rent or mortgage
Pay utility bills
Car payment
Insurance
Medical bills
So on....
People who don't like paying Insurance have a high deductible.