<p>My point is that the MAJORITY of people can’t save that much liquid cash on 55k. If you include 401k in savings, yes you’re right, you can. But I’m certainly not going to pay a penalty to tap into my own money (I’d say 10% to tap into your own assets is a lot of money…even CDs only charge like a 1-2% penalty for closing early), so I personally would write that off my balance sheets until 59 or 65 or whenever you can start withdrawing.</p>