Everyone who relies on a check from the government. Be that a paycheck, social security check or even paychecks indirectly need to learn the lesson of having an emergency fund. If at all possible have put aside 6-8 months of expenses in easy to get cash. The next time you worry about money the government might be shutdown from political actions. Or it might be crippled by a cyber attack. Or you could simply have an administrative problem that keeps you from getting a check for a few weeks or a few months.
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