Whether you like it or not, tough days will come.
The righteous follows the words of the Wise Master. Follow the ways of the ant. “Consider the ant, you lazy bum. Watch its ways, and become wise.” Proverbs 6:6 GWT
You don’t want to be unprepared. You avoid panic as much as possible. You refrain from financial and mental turmoil.
Build an emergency fund, this is the right thing to do. RT Dave Ramsey.