One important thing folks forget is to have a stash of cash readily available in case something goes wrong.
It is resonable to keep as much as you can afford but I recommed at least $250 bucks. Keep it hidden somewhere in your house and available for when it is needed.
If you live in a hurricane prone area for example the electricity could be down for a week or more if your area sustains damage. Well guess what? ATM machines run on electricity and banks could be closed because of damage or due to employees not coming to work because they are trying to straighten out their own messes.
No one is advocating pulling your money out of a bank and hiding it under you mattress...if you do that you are asking for trouble. Things happen, like house fires for example and all your money could go up with it. An emergency stash that is readily available is a must though.
Cash is king when bad things happen, so make sure you have some available for that "time of need".
...that is all.
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