Just the other day my brother sent me the above image and I could not help but fall in love with it. This conversation can be applied to almost every aspect of our life. It is essentially saying it is better to be over prepared than under prepared.

   One way that we can make sure we are over prepared for life is having an emergency fund. Approximately 62% of Americans  have less than a thousand dollars in savings. That basically means that only 38% of people are prepared for a minor emergency. Without an emergency fund we are one paycheck away from being homeless. If you don't have an existing emergency fund, start one today and get it up to a thousand dollars first. The goal is to get it high enough to cover three to six months of expenses.

   Another aspect of life that we need to be over prepared in is life insurance. Approximately 38% do not have life insurance. Death is inevitable and we have to prepare accordingly. A funeral is expensive, there is the cost of the plot, the wake, the casket and the headstone. A basic term life policy for twenty years can be as low as twenty a month. There are many options for life insurance, I'm no expert in on insurance so I'm not going to compare term life vs whole life insurance.

   This was a small post but it is food for thought. So make sure you stay prepared in life.