I just covered a $2800 unexpected expense, my sister texted me last week after her car was repossessed. She could have let me know beforehand! She tried everything she could think of and was waiting for an emergency hardship 401K disbursement but she ran out of time.
I covered it for her. She had a bad bad case of covid last year. She works hard, she is widowed, her daughter lives with her and shares expenses. She gave what she had last year to her step-son who is a Afghanistan vet with PTSD, he was about to lose his work truck and tools. Then when she needed it for herself of course he couldn't pay her back. She can't ever seem to get ahead. I assume she will pay me when she gets that hardship disbursement!
