It ' s odd that she is the only one sitting down . <| sep |> huh . so she ded . <| sep |> servers are constantly dcing I STOPPED PVMING AND THEN I WENT BACK OMFG ! <| sep |> Oh god IT ' S HAPPENING <| sep |> My quick guess is that your AReplaceJoin . thing has created a string larger than the max string size 255 when there ' s more than 54 . Maybe do a loop and add each row one at a time instead ? <| sep |> Eh ? Can you point at this self ? Can you ? Can you ! ?<| sep |> To understand the why a lot of us consider a year in banked cash excessive , try this mental exerciseTake a few minutes to think about what you could do to get your hands on some money in the next five minutes . How much $ could you have in hands ? Whatever you have in pockets or drawers , right ? How much $ could you have in your hands in half an hour ? Now you have time to go to an ATM , maybe transfer money between accounts if your online bank is responsive . How much $ in a day ? Now you have time to call your bank and make some transfers . You probably also have time to open a very unfavorably priced line of credit . How much $ in a week ? Now you have time to make changes your bank can ' t do on Sunday . How much $ in three months ? Now you can withdraw from a CD ladder with no penalty . You may also be able to secure a variety of forms of favorably priced credit , in this much time . How much $ in a year ? Now you can time the market when selling some stocks , or apply for and land an entirely new job , or move to a lower cost of living place to live . Big emergencies are going to be mitigated much more by what you do in the first year to respond , than what you do with cash in pocket on the first day . If anything , there ' s value in delaying yourself from throwing your cash at a problem on day one , when it might have been better solved some other way i . e . some medical bills get smaller with a phone call , some needs turn out to be wants , some expensive expert services turn out to be available from second cousin who feels he owes you a favor .