“You ain’t seen bad…but it’s coming.” I give this otherwise forgettable movie, "Next of Kin," passing marks for that one great line uttered by Patrick Swayze’s character, Truman Gates. To be honest, Liam Neeson’s attempt at an Appalachian accent is also notable, but I digress. Simply put, the line is great advice for clients. Especially those who have chosen to forget the 2008 financial collapse, or perhaps were too young to have significant money at risk. Calamities are a part of life, whether it is a job loss, divorce, illness, natural disaster, or catastrophic collapse of the real estate and equity markets. Rest assured, Bad is Coming! The remedy is fairly simple-A big fat emergency fund equal to 3-6 months’ salary. I realize it’s difficult to leave that much money on the sidelines, but it WILL prove its worth. Bear Sen$e MarkAlanGriffis.com