RE: People who don't save any money

Lots of data is missing here. Maybe your friend has an inheritance which he never mentioned to you. It's kinda dumb to spend it all. That kind of attitude will definitely put him and others who depends on him in harms way. I'm strictly talking about medical emergencies here. It's bound to happen when people get old.

One more covid and it's over for him with this attitude. Stick to your own plan Bala because you know everything in your life that's happening and others have a tendency to hide certain things so to an outsider, without knowing much, how can he copy paste the same strategy?