IN a perfect world, our savings accounts will never run out of money, no matter how many times we withdraw from the ATM (automated teller machine). We don't need to work because the money will just replenish itself. We can buy anything we want and we can pay for everything in cash.

But sadly, real life doesn't work this way. Aside from the reality that money doesn't grow on trees and there are so many things we want but can't afford, most of us are living paycheck to paycheck, too. Which means we can quickly go broke or face a major financial disaster with just one money mistake.