I do save up for emergency especially now that I have a baby, they can never be predicted. So no one send me for more responsibility and as such I'm responsible for it at all times.

Oh dear you crack me up here, but you're making whole lot of sense, our country is hard, but some people don't understand that it's everywhere, life is about packaging now. I'm glad you get meet your family needs, others will be added to you, success!