I didn’t answer all questions

because the question was already answered in the post. I said I was living paycheck to paycheck. By sheer definition of that term, it means no 3 -6 months savings.Besides the fact that I am now following Dave Ramsey’s plan would mean that I was not the brightest with money.
I don’t think anyone else on this group was confused as to why I didn’t have an emergency fund. I think we can all agree that one is needed and would be the smart thing to have. So your question didn’t really need an answer, or were you just trying to “rub my nose” in my past mistakes? Or do you feel that I haven’t seen the foolishness of my ways?
What I don’t understand is why you want others to listen to your advice, and yet you can’t listen to what people tell you. You were told time and time again that your post were out of line and although you have “toned it down” you still don’t see the problem. You feel like you just “tell it like it is”, but what you do is way beyond that. Dave, Chuck, and several others on this list “tell it like it is”, you instead are mean and belittling. You were even banned so you say (the only one that I know of), and still you think that you were treated unfairly and the rest of us are just thin skinned. What will it take before you take a good hard look at the way you talk to people to before you see that perhaps that the vast majority of what others are saying is true?