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> the author having 20K as all his money(if true, not confirmed in the article)

The author explicitly indicates that it is all of their savings:

> I sat there with my $173.12 of remaining savings and $25 in I-bonds, feeling like I had accomplished something truly remarkable.




I read this as 173.12 of remaining savings "to invest" (and not entire savings)


> Whatever, I thought, I still have a little over $10k left in my bank, and my next paycheck will come soon.

I don't know, but I don't have a good feeling about that...




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