Just in case you loose your job, the house burns down, your ARM skyrockets, and/or gas prices or other normal budget items suddenly get abnormal, you need to have some money storage.
   With monthly house payments, car payments, food and utilities, any loss of income will be quite disturbing.  “If ye are prepared, ye shall not fear.”  Being debt free is it’s own best dividend.
   Today’s employees can expect at least 3-5 job changes before retirement.  That hung-drawn look is far more indicative of  “I’m between paychecks”, rather than “I’m between jobs.”  It is not unusual that 
1-3 months is required to find new employment, unless you are an IT specialist.  Then it’s 12-15 months.
   A 90-day supply of cash in savings is absolutely essential, unless you are totally out of debt.  You don’t have to think about it.  JUST DO IT.  And keep $1,000 in small bills around in case we have an earthquake.
   For more information contact (your emergency preparedness specialist).
YOU CAN SEE THE NEED.  NOW PROCEED, TO BE PREPARED.