You live in a household with yourself, a partner, and two children (3 years old and 5 years old). Your monthly income is 5600$ and your monthly expense is 4700$. We know that saving for our children's education and our own retirement is important in our current economic system. What money is available for these parents to save for any future needs? If this family encountered a medical emergency such as a dental expense or unexpected prescription, what money would be available to cover that expense?