No one likes a Debbie Downer, but these are trying times, and you need a financial backup plan. Whether you feel a strong sense of job security or have a million bucks in the bank, it's crucial that you embrace the motto of the Boy Scouts ("Be Prepared!") so you don't end up in a serious financial and personal conundrum should you draw a short stick. The calendar changes so quickly it's easy to forget your nest egg and backup scheme amid the momentum, but follow these basic steps and suggestions to keep yourself on track.
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