2 RAINY-DAY FUNDS ARE IM­POR­TANT

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It’s all too easy to live in the now and not plan for po­ten­tial prob­lems ahead. If your grand­chi­dren are work­ing, get them to think about how they would man­age if they lost their job. As a rule of thumb, ev­ery­one should have three months’ in­come saved to tide them over in case they’re ever out of work.

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