Hi,I was reading an article a few days ago that said 40% of Americans can't come up with $400 if they had an emergency. I couldn't believe almost half the country is that broke. The median household income is 60k, so ...

Unfortunately I've been away for a few months while taking care of some personal matters, so I haven't been able to keep up on discussions. 
However, several months ago there were ample amount of folks here insisting...