HAVE ADEQUATE RESERVE FUNDS AVAILABLE
One of the most important planning points is to have adequate reserve funds available. How much is enough? Ideally, each of us should have three to six months of living expenses set aside in a readily accessible reserve fund. If you do not have a reserve fund, the best time to begin one is now. A money market fund is ideal for this purpose.
These reserves can be made up of a combination of cash, liquid assets or pre-established lines of credit.