If you're unemployed or even if you have a job, I think everybody needs to be saving a significant amount of money not just a "rainy day", but for several "rainy years."
IOUSA was a movie released in 2008, that helps put into perspective the fiscal situation which the United States is in. Net-net, in a few decades the US government isn't going to likely be able to provide all the benefits that they have promised---so be sure to start saving for your own retirement years, and potentially higher taxes in the future.
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