JTNDcCUyMHN0eWxlJTNEJTIydGV4dC1hbGlnbiUzQSUyMGNlbnRlciUyMCUyMWltcG9ydGFudCUzQiUyMG1hcmdpbi10b3AlM0ElMjAtMTVweCUzQiUyMiUzRSUzQ3NtYWxsJTNFQnklMjBBdmVyeSUyMEtub3glM0MlMkZzbWFsbCUzRSUzQyUyRnAlM0U=Six months ago, I was on a call with Sarah, a software engineer from Austin managing a $50,000 emergency fund...