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No matter what the circumstances, it is really important to have a large savings account. You should have a savings account that has enough money saved to pay the bills for 6 months. That would help in case your income drops for some unseen reason and you need money to hold you in until you can get back to normal levels. Now, something drastic might not happen to a lot of people where they will need a savings to handle an emergency, but if you do not have that money when something happens to you, the consequences could be very bad. This is especially important if you have a family and only one person is bringing in the income. If that one person loses a job, then the whole family is screwed.
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