Emergency fund. Self-insurance.
It is an unpaid social practice.
It exists to relieve A layoff arrives when the fixed costs are highest. That is the whole reason it is here: nothing enters this map without a human problem behind it.
It could not exist without Banking system. These are the quiet preconditions — remove any one and the solution stops working.
3 organisations in this map sell it, 3 of them publicly listed.
Its neighbourhood
Everything this entry connects to directly. Click any point to follow it.
The line back to a human being
2 hops from a person at a phase of life. The further a thing sits from the person, the more abstract it looks — and the more it tends to be mistaken for something that came from nowhere.
- SolutionEmergency fund
- FrictionA layoff arrives when the fixed costs are highest
- Life phaseMidlife
- Rooted inSafety
- Rooted inScarce resources
Relieves
Requires
Who sells it
| Organisation | Value | Type | Products |
|---|---|---|---|
| Goldman Sachs | $230B | public · GS | investment banking, asset management, Marcus |
| Ally Financial | $12B | public · ALLY | auto loans and leases, online savings |
| OneMain Financial | $7B | public · OMF | subprime personal loans |