“Chains of habit are too light to be felt until they are too heavy to be broken.” -Warren Buffett

Making a plan for life's unexpected twists and turns: Emergency Savings

2020 has taught me (and I suspect many others) is that we need to be prepared for the unexpected twists and turns life may throw at us!

This year has had many twists... Let's start with Covid-19. Who would've imagined?! There are others including wildfires, floods, and a mass shooting.  It has been heavy and sad.  It is all too much sometimes.  And yet in the midst of it, I'm grateful.  Grateful for my family, our home, our safety, our leaders, our country, our healthcare.  Grateful that these situations aren't our norm.  Grateful my kids feel save and have declared this the "best pandemic ever".  Grateful we aren't financially ruined by this.