Happy man has spare money.
The people living with or related to a person know you have money
Living with no money set aside for emergency is full of worried
Money can stay put. There is always someone approaching the person and borrow. Life become better, buying until the money is gone.
Our family set some money for emergency, but people living in a family borrow, spend on personnel items. Then again set aside some money, again the money gone, the same reason, but the people learn, now no money aside. But there are the money aside for old age, what will happen to the money? Sure have to spend to "create harmony in the family" but my personnel money for my old age, who give a damn.
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