10 Sources of Cash in a Crisis, Ranked: Morningstar’s Benz

But as people lose their jobs — particularly in service industries — and face rising health care costs, how can they quickly access cash? In general, most pre-retirees feel unprepared to manage emergency expenses, according to a recent Schwab survey. Plus, a separate Schwab poll found 59% of Americans living paycheck to paycheck last year. Such circumstances prompted Christine Benz, Morningstar’s director of personal finance, looked at recently.

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