I found all my numbers on google. It’s new, take a look.
You are again missing the point. Show me the person that says they can’t weather a $500 emergency and I’ll show you where they have wasted $500.
If housing is the big issue, then why do these people feel the need to live where housing is unaffordable?
If low wages are the problem, get a second job, get a new job.
The point is that a $500 emergency is either a failure to plan or a failure to take action.