I have a very, very large savings account, multiple investment accounts and retirement accounts and I still feel like more is needed. I was just notified I will receive a 15% raise at the start of next year which is awesome, but my boss yesterday said she is only working three more years and calling it a career and the executive above her that offered me the top job is retiring in 6 months so I've gone from thinking everything is great to wondering who the new bosses will be. I've done lots for my company but it just takes one person to change up all your plans despite your best efforts.

I think about it quite a bit, probably because I write about this stuff, but I am in the best job and have the more security I ever had in my life, but one simple executive change or boss change and everything could come to an end. We have a supply of food, extra cash at home and in the bank. We are prepared for life. Everyone loses a job and has an emergency. That is always what happens so to think we are somehow exempt from bad things is a bad way to try to live life. It's not if, but when....might as well do something about it.

We almost always take something back that we have in our cart once we get to the checkout. Don't know how much that has saved us over time but if you can take back one thing each time you shop it adds up in the long run.