Rainy Day Fund: Save for Emergencies   According to a survey
released by Bankrate, more than 75% of Americans don’t have
enough money saved to pay six-months of their bills in case of
financial emergency and more than a quarter have no money saved
at all. These numbers, while scary, aren’t entirely shocking –
since the recession, it’s been harder for the average worker to
put money away in case of economic stress.  However, saving
money away for a time when you really need it is one of the
smartest things you can do to protect your future. While there’s
a lot of disagreement about how much and where it should be
kept, almost all financial sources recommend having some form of
easily-accessible savings in case of a tight situation.  How
much should I have?  There are a lot of different beliefs when
it comes to how much people should store in their emergency
fund, ranging from a full year’s worth of monthly expenses to a
few thousand dollars for things like replacing AC units.
However, one thing that’s always m