So if they made...say $35 K a year they'd be able to afford that $400 emergency? At some point, people need to realize that greatest impact on their current state is due to your previous choices and actions, not the guiding hand of some unseen force. Also, we have a very blurred line and what is considered a "need" vs a "want."Or to state it another way, do they not have $400 because they simply can't afford it, or did that money go somewhere else.