all.

1. Build up an emergency fund. If you don't have one, start now. Good time to remember to live beneath your means.

2. Make sure you have enough life insurance money to take care of your family if something happens to you.

3. Make sure you have enough disability insurance. That may be the most underinsured risk in America. If you lose your job, you also lose your disability insurance, so it is good to have some outside of work.

Stuff happens. Mitigate it in advance.