There’s no such thing as too prepared

Milles/Shutterstock
Milles/Shutterstock
You can’t be too prepared.

I understood that in the abstract sense — who doesn’t? — but it wasn’t until one day exactly 20 years ago that I learned what it really meant. That’s the drizzly, bitter cold Northern California day I discovered I was broke.

I lived in a rat-infested tool shed that had been turned into a spare bedroom in a run-down part of East Berkeley. Down to my last $20, I trudged up to Telegraph Ave., to visit my bank. There, an ATM delivered the bad news dispassionately: I didn’t have enough money in my account to cover next month’s rent.

Come March, I’d be homeless.
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