What are you afraid of?
Mintz: I'm afraid of not having enough money in my savings account should I need to use it. I'm a college student with a part time job, and I have some money in savings, but if my car's transmission went out, I'm hosed. I have no idea how I would fix my car and keep paying for rent/utilities/food without going into debt.I guess you could say I'm afraid of going into debt and not being able to get out of it because of circumstances just out of my control.