I have a high limit credit card which I pay off every month, no other form of debt, no expenses until my next paycheck, a very secure, well-paying job with good health insurance, significant savings in the form of stocks and bonds, and several family members and friends who would be willing to help me in the event of some catastrophe.

I prepare and structure my life such that I can take action without fear. I attribute most of this to reading the book Your Money Or Your Life while I was in college. My only regret is that I can afford to give more, but fail to have the cash on hand due to lifestyle expenditures and saving for my own personal future.