You’re right. I’m not from the USA and I’m not living paycheck-to-paycheck, but having ~6 months of expenses as savings is manageable. That depends on your situation, income, number of children, of course. Will be problematic when you’re earning in the lower income brackets, but for most people that should be a little bit under 10.000€ here in Germany.

It’s actually quite simple - not sure how it does work under the hood, but take a look at your documents. Every insurance, employer or company has its own letterhead with logo, contact information and legalese. You just tell paperless on one document “hey, that is my insurance, please tag everything like this as insurance” and it will do that.