Frantzesco Kangaris / Stringer / Getty ImagesAccording to troubling research from the Federal Reserve, nearly half of Americans wouldn't have enough money on hand to cover a $400 emergency. "No matter how well you plan or how positively you think, there are always things out of your control that can go wrong," David Bach writes in his bestseller "The Automatic Millionaire," which is being re-released this December. "People lose their jobs, their health, their spouses.