No , not in a country that rewards people for being completely broke . It ' s better to have nothing in an emergency situation , and a couple kids , because then the government will help you . If you are doing things on your own and saving what you can , one good medical emergency can destroy your life . Health insurance won ' t help you , because only the poorest people get free health care . If you are just above the line , the premiums are high and the deductibles too . It ' s not even worth it to get it . Our country doesn ' t want you to save your money , they set you up to fail if you do . <| sep |> Sure take it . Financial accounting is easy . Some may find it hard , some may find it easy . Just put time into it . You ' ll be learning the basics of debits and credits , etc