My husband is not really a "financial planner". He's not much of the "be prepared" type. He likes to keep things stocked up for work projects or to use to build something from for the kids, but he's not one to think of worst-case scenarios and prepare for it. I didn't realize I was that way, until we had children. I guess that's mother-hen or mama bear coming out, because it came out with a vengeance! We've been fortunate that we've never been in a position where we couldn't pay something since we've been married. But, much of that was because I was paranoid about not being able to pay something. I had a credit card bill being sent to the wrong address one time, on a card I had forgotten about, from a well-known department store, to get the discount. Well, that late fee made me realize I never wanted to feel that on a larger scale, ever. Again. It was a minor fee and was really not a big deal. I canceled the card after paying the fee