person A: I am thankful that I am diligently following my saving habit. I feel in control over my urges for unnecessary spending
person B: That's awesome. I saved up for 4 months but then had a massive car repair bill..
person A: Emergency can always happen. Good that you had saved for that 4 months and were able to cover your car repair bills. Imagine if you haven't saved
person B: I know. My advice is take it seriously just in case