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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Oh and if we use our emergency savings then what happens if there is an emergency? We are both working without pay. It is very stressful there is no end in sight. So as mentioned several times in this thread stop worrying about other peoples’ money and have  some compassion. There is no end in sight. Shocker most people don’t work for free and have indefinite savings, even those smug ones in the private sector. For what it’s worth in 2013 my student loans were $900 a month. Paid off now and replaced by tuition and college savings and medical bills. [/quote]

This doesn't make any sense. If you cant use your emergency fund when you lose your pay, then... its not an emergency fund. If it cant cover your monthly expenses, including surprise expense, then its not a big enough emergency fund. So you are someone who doesn't have an emergency fund.

And yes, I do judge that. Its a basic tenant of being an adult. All of your bills means you need a higher savings fund. That isnt anyone elses fault but your own.[/quote]

NP.. you are cruel. Go on and get off and internet and back to work since you’re such an established adult who sees fit to judge others. [/quote]

No adult is fit to judge others. Put the phone down and touch grass.[/quote]

NP and this is an irrationally silly statement.
Discernment is key to making sound decisions.
That you or anyone else feels “condemned” by this judgement is an unfortunate side effect. But yes adults are absolutely “fit” to take in information and make a judgment about it based on that information.
And the information provided is that some people do not save sufficiently for a rainy day, and they are not set up to weather the storm.
There are arguably many reasons for this (some are sympathetic reasons like taking care of a sick relative or medical emergency and some are simply living beyond means or overcommitting a percentage of income to higher-than-income-can-afford rental housing or mortgage). But to say an adult’s not fit to “judge” a situation and form an opinion based on that is just counter to humanity.

Should we share that “judgement” with others?—probably not if it isn’t helpful.
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