Everyone "CHOOSES" their own choices in Life, If you don't like your Life then make different choices, its as simple as that! Thinking inside the box is for sissies, just my opinion I have always thought outside the box since birth that's where your "real life" can be found.

Why would anyone prepare for an emergency to happen? Doesn't make much sense to me, I mean I understand to always expect the unexpected but if you are living right and well below your means you will have available cash in the event of an emergency but to tell others that they should "prepare" for emergencies is just completely out of whack! To me "TO PREPARE FOR EMERGENCIES MEANS TO ALWAYS EXPECT THE WORST" now maybe that's just me but I'd rather differ to "THINKING POSITIVE AT ALL TIMES" and if God forbid an emergency comes up I'd rather deal with it accordingly! To believe these folks went to college and they're going around instilling all this fear in individuals is just complete nonsense! Now whoever wants to "Roger that" can!