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Are there many people who are financially independent and 100% debt-free? Not every person has a savings fund these days. Economic crisis, job loss, employment issues, and overall instability has led to various troubles. In fact, a huge number of Americans have no emergency fund and often struggle having to deal with unforeseen costs. Sounds like this is a story of your life? Well, you are not alone.

According to Bankrate, nearly 37% of American consumers would get a loan to cover an unexpected bill.