I have a bit of savings, but nowhere near 6 months worth. Just have had enough freak accidents and those “once-in-a-(insert large amount of time here)” events that having at least a month’s worth of savings has saved me from taking out more debt enough times that I try to keep something saved.

That said, while I’m sure the interest I’ve spent on my debt over the years has been enormous, the one silver lining to it all is that with inflation, my debt feels more manageable than it did 10 years ago. Not that I can really afford pay it off that much faster since every other part of life is more expensive, but in comparison to everything else, it feels much less overwhelming than it used to.