Appreciate the reply. For the curious, here's a source for the emergency expenses number (32% can't afford a $500 expense with their savings per Table 12): https://www.federalreserve.gov/publications/2023-economic-we...
> Sixty-eight percent of adults said they could pay an expense of at least $500 using only their current savings (table 12). This is a somewhat larger share than the 63 percent of adults who said they would pay an unexpected $400 expense with cash or the equivalent, suggesting that some people do choose to pay with other methods, even if they have cash savings available to them.