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Can you handle a $2,000 USD emergency?

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$2000 USD...that's like what, 4 bucks Canadian nowadays? Yeah, I think I can handle 4 bucks. 😛
 
loki8481 said:
what if your car got vandalized to the point of inoperability and insurance refused to cover it?

let's say, like, all 4 tires slashed and all windows, including the windshield, smashed in.
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Time for a new $500 car.

As to the OP, no, I'd be fuxx0red, and there's nothing I can do about it.
 
GotIssues said:
Excuses are accepted far too often today.
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I think that is a good statement that represents the majority of our society. People excuse their behavior, instead of taking responsibility.

Example - john doe and jane doe had more kids then they can afford, just because they wanted kids. Just because someone wanted more kids does not mean they can afford them.

My wife and I know a certain family, the wife wanted a daughter. So what do they do, they have 3 boys in the hopes of having a little girl. Its not that they wanted kids, she wanted a little girl. So now they have more kids then they can afford. Every couple of weeks the husband calls asking if they can have some food, or borrow some money to buy gas or food.

People dig themselves into a financial hole, but they do not want to take responsibility for their actions.
 
GotIssues said:
You are illustrating exactly why there is no excuse for it. "I had to buy a bunch of crap I didn't need" isn't a satisfactory excuse, and thus would not satisfy as having an excuse.

I am aware that situations exist where it's not possible. Kids increase these number of situations greatly. However, most people can save enough money for emergencies, they just don't. Excuses are accepted far too often today.
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Exactly. People don't HAVE to go out to eat. They don't DESERVE to have a night out with their friends, or to hit the day spa. They don't NEED the latest iphone. Those are all extra things we LIKE to do.

People are free to spend their money however they like, but it pisses me off when I have to pay for people's inability to handle their money and when my kids are going to have to pay 75% of their income in taxes to pay for 70 year old people who "couldn't afford" to save for retirement because they were too selfish or too stupid.
 
Yes, I can handle a $2000 emergency quite easily. I have 6 months of expenses saved up in easily accessible accounts. The rest is invested or in retirement accounts. Actually, not too long ago I blew some head gaskets, which basically totaled my old car and I paid $2,200 cash for a new car. Took me like 2 days to transfer the funds around that I needed.
 
I could come up with $2k in cash very trivially (a walk to the bank).

I have more than a year of living expenses in liquid accounts. I could stop working today and be fine for quite a while. I don't even make that much, the job I'm working at now I started at $9.75/hr.

I'm also responsible for 100% of my tuition and fees because apparently if you don't spend money on gas guzzling trucks you don't qualify for financial aid.

Yet my peers that decided it was a good idea to get pregnant at 17 (and 18, and 19) get free tuition and books, free rent (in a place nicer than what I live in), and drives a nicer car than I. Makes sense.
 
I just graduated college and can afford a $2,000 emergency with my savings account. And I haven't even started my new job yet... My plan is to get around $6,000 in my savings, and then start paying any extra towards my student loans.
 
Zebo said:
That would put you in unique company indeed, 1% since there are 3 million millionaires in US. But yeah us old guys should be able to handle orders of magnitude (base 10) of that 2000 figure
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Last I read, there were 8 million millionaires in the US...down from 10 million at the end of 2007...but I could be wrong.

Goes to check....

7.8 million in 2009 according to this article.

As for the OP, yes, a quick trip to the bank would take care of that.
 
Zebo said:
I'd hate to see what you thought of me if I told you I leave keys in visor and don't lock cars😉 In my boats keys are behind radio flap.
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It's goimg to suck when one is stolen with the keys and the insurance refuses to pay because you were negligent and left the keys in it.
 
pcgeek11 said:
It's goimg to suck when one is stolen with the keys and the insurance refuses to pay because you were negligent and left the keys in it.
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Insurance? Talk about throwing money away for lavish salaries of executives and beautiful glass buildings. I only buy what's required.

Insurance is a suckers bet especially how common fraud has become skewing prices further.
 
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Look I have alot of broke friends that I would give a bullet for any day. If they really had an emergency I would be more than happy to lend the money. In the end its all about friends and good times
 
Give a bullet? I thought it was take a bullet. Anyway that's right all money does for you is provide security to have good times good friends good family. And that's what we should live for. I used to be a hoarding/frugal/greedy MFer until I learned this.
 
easy

for years the minimum balance/presumed zero balance in my checking account is $1,000 though it never even gets that low

I'm damn frugal
 
Ah yes, the good ole "Hey I'm driving a civic and this asshole over there takes 10k in grants and 20k in loans and drives a subaru WRX what the blazes?!"
 
I could if I asked my parents. 😛

Right now my balance is below $900. I'm barely scrapping by because I don't have an income. (Tis how it is with the job market) Also I bought a camera for $560, plus memory card($30), and then I bought another lens for $90... But I sold the one that came with the camera for $80... so I am at $600 even for the camera. I bought the camera so I didn't have the option of living poor in my apartment for the summer. :awe: (Although arguably, I still have the option because I could easily sell the body alone for as much as I paid)
 
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Surely. I've always kept at least that much around since I was like 19. I'm not one to rely on others like 99% of the people I know or have known. Sure i carry an auto loan debt but that's it. No debt of any other sorts.
 
I do all my repairs (home and auto) so 2k is something REALLY big. Even then I have about 6k backup fund right now. Actually up to about 8k but giving the wife another 1k to put toward the mortage.
 
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