A guy from work was talking to me about being behind on his mortgage and he knew that I had been (and am still 1 payment) and he was filling out the form they sent him to see if he could get some help and they ask about his assets. Cash he said he had $20 in his pocket, Cking and Savings, he said he has maybe $40 in one but looks like he has alot right now in his cking because he just got paid, but with car payments, etc, he said he goes quick. Now my question, because I did not know how to answer him, they ask about retirement funds (401K, IRA, etc).