Some financial advice is given so often that it becomes common folk wisdom. The old adage about “saving for a rainy day” is certainly one of those bits of advice. I’m sure you heard it as a child, and you’ve probably said it many times, but saying and doing are two different things. According to the Consumer Federation of America, fewer than 40 percent of American adults have an emergency fund to fall back on in the event of a financial disaster which means when the rain falls, there are many who are going to get very wet.
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