Did you know nearly 40 percent of Americans can’t cover a $400 expense from their savings? People give many different reasons for not being able to save money, and I’ve heard them all. Some people do have it harder than others, but I’ve also seen enough single moms work three jobs to change their family tree, and enough blue-collar dads retire as millionaires that I’m prone to believe most of us are better off than we think. That might sound like tough love, and it is. I hate seeing the way this pandemic has affected the livelihoods of people all over this country. The habit of saving isn’t something we can do passively. In fact, you’ve got to be intentional and save like your life depends on it. You need an emergency fund that can cover three to six months’ worth of your basic expenses. I’m a spender, so I …