Coach Lynn's Money Message:
No matter how successful you are in your "grind," you never know when life is going to go in a different direction than you planned. Make a conscious effort to live below your means and to have at least one year of living expenses saved in the event you are unable to work due to illness and/or unemployment. If and when a catastrophic event does take place, act quickly by reducing your expenses as much as possible and by communicating with your creditors. Yes, you should have faith that everything will be okay, but you should also do the work necessary to ensure that you minimize your losses and maximize your available resources.