{"id":291,"date":"2010-07-29T10:26:48","date_gmt":"2010-07-29T10:26:48","guid":{"rendered":"http:\/\/www.myfinancialfocus.net\/mainsite\/?p=291"},"modified":"2025-08-24T06:39:12","modified_gmt":"2025-08-24T10:39:12","slug":"prepared-not-paranoid","status":"publish","type":"post","link":"https:\/\/www.myfinancialfocus.net\/mainsite\/index.php\/prepared-not-paranoid\/","title":{"rendered":"Prepared, Not Paranoid&#8230;"},"content":{"rendered":"<p>Recently, I spent some time working with a client and we were talking about building an emergency fund. \u00a0That fund, sometimes known as a rainy day fund, is in place to help us get through troubling times and survive. \u00a0Those troubling times come under many variations. \u00a0A job loss, loss of a family member, a reduction in salary, the loss of a major appliance, a fire, a major illness &#8211; and the list can go on and on. \u00a0All of us have examples of what may be classified as an emergency.<\/p>\n<p>As we discussed this, I made the statement that I am not paranoid, but I am just prepared. \u00a0Having an emergency fund in place will NOT prevent emergencies from happening, but that fund being in place definately changes the way that we approach the impact of the situation.<\/p>\n<p>Many Americans have experienced emergency conditions in the last year or two. \u00a0Many never fathomed the thought of taking furlough days. \u00a0They never thought that they would get sick. \u00a0They never imagined not being able to make a mortgage or car payment. \u00a0Reality is tough!<\/p>\n<p>Emergencies are going to happen &#8211; in your life and mine. \u00a0How prepared you are for them will direct how you attack them. \u00a0Are you prepared? \u00a0I am, but I am not paranoid.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recently, I spent some time working with a client and we were talking about building an emergency fund. \u00a0That fund, sometimes known as a rainy day fund, is in place to help us get through troubling times and survive. \u00a0Those troubling times come under many variations. \u00a0A job loss, loss of a family member, a [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,10,14,9],"tags":[],"class_list":["post-291","post","type-post","status-publish","format-standard","hentry","category-coaching","category-personal","category-planning","category-saving-money"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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