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Message: <blockquote data-quote="Up In Smoke" data-source="post: 5519915" data-attributes="member: 79702"><p>I'm sorry, but I don't take your opinions as fact.  The younger generation is saving and investing.  I don't doubt the fact that the majority of Americans can't absorb a 1k emergency because of savings and spending habits.   Most 401k programs require 6-10% be invested by the employee to trigger the company match.  With the average American saving 2-3% per year and adding 6% for retirement savings, the emergency fund can be severely fragile.</p></blockquote><p></p>