Save more than zero each month and they won’t feel like a crisis when they hit. So when your four-year-old falls and splits open his lip on a Sunday night, the $300 urgent care visit won’t cut into money you’d set aside for your fall foliage trip. And—shudder—you won’t have to throw it on a credit card with a promise to figure it out later. You’ve set aside money for medical bills as a core essential, even if they aren’t a steady monthly expense. You’re prepared.
