<prompt> Human: Taking the time to build an emergency fund, and forgoing consumption for months while doing so, is a staggeringly inefficient use of the precious and limited resource that is your money.So yeah, seems controversal. Also seems like the author is glazing over facts in order to support his questionable beliefs. I think that he hasnt had to actually deal with any actual emergencies or financial crises. He probably thinks he shouldnt have to pay for health insurance because hes never been seriously ill.Comments? Thoughts?  <response>: His advice to rely on unemployement is stupid. Many people earn several times the maximum unemployment benefit. Example in Texas the maximum you can get is 465 a week. Thats equal to about 30k a year gross salary. I take home after a bunch of deductions, including 10 to retirement over twice that. My wife brings home over 6 times that amount. Yes I realize we have a very high income, but LOTS and LOTS of people make more than 30k a year. And guess what, those folks are probably even more likely to have big obligations like childcare, mortgages, student loans, etc. Its dumb. 