One of the few constants in life is change. Whether it’s a global pandemic, natural disaster, or an economic recession, sooner or later something will come up for which you’ll need to be prepared. After everything that’s happened so far in 2020, let’s hope whatever it is happens much later. That said, the best time to prepare for a future emergency is today.

Here are three tips to help you do that:

1. Live Within Your Means

Ask any financial advisor how to best prepare for adversity and they’ll tell you to have anywhere from 3-6 months of cash stashed away in an emergency fund. That’s great advice, but next to impossible for most people. Why?