My friend said, 'I finally started an emergency savings account.' I said, 'That's great! What's the balance?' He said, 'Forty-three dollars and twenty-seven cents.' I said, 'That's a start!' He said, 'Yeah. And my first emergency was a gas station that didn't accept my card. I had to use cash. I used the forty-three twenty-seven. The emergency is resolved. The account is empty. I am back to zero. The cycle continues. I am a man in a cycle.'