$12,000 a year for health insurance if unemployed. So my rainy day fund for 1 year just to live is somewhere in the neighborhood $18,000-$20,000 on an average salary of $35,000. So you're right. Out of the $35,000 I made before getting laid off I should have a surplus of $17,000 a year. $5,000 for room and board and $12,000 for health insurance. Heck, why work more than 1 year on and one year off? But in the richest nation and self professed best and coolest nation in the world, the US still has people living on the street? Impressive attitude asshole.