This study talks about the solidly middle class (making between 100k to 150k) not being able to come up with 2k.
http://lifeinc.today.com/_news/2011/05/23/6702419-small-rainy-day-funds-mean-many-could-get-drenched-
How is your short term savings fund? I'm not asking how much. I mean do you keep a rainy day fund?