Sickness is a serious time-waster, and as someone who does not have health insurance it can wipe out your savings. Every time you denied yourself that mocha latte, or that new shirt, or that really cool gadget so that you could increase that rainy-day fund to comfortable levels so that you can have piece of mind or get something you REALLY deserve, or invest in something... you get my point. It's gone just because you get sick or hurt.
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