By Sophia Bera
NEW YORK (AdviceIQ) -- You probably go through many days feeling invincible. Bad things -- or even just the weird and unexpected -- happen to other people, not you. Wrong. When life throws you curves, almost always when you least expect, you need ready cash.
One possible curve: You come home to a wild turkey in your living room. A few months ago, one of my clients took a weekend trip with her boyfriend. On Saturday, they got engaged. On Sunday, they got a call that the patio door on their apartment "blew out."
No other details, no explanation. They headed home, worried on the whole ride and wondering what on earth happened. When they opened the front door and peeked inside, they found a mess of shattered glass -- and a wild turkey staring back.
"The damage," my client wrote me, "included [the] broken patio door from which the glass covered all of our furniture, desk, TV, three computers and the entire living space flooring."
She added that "the door will be replaced by the owner, but all of our belongings are our responsibility. Talk about the importance of having renter's insurance and how that covers the contents of your home."
Appreciate the unexpected. You won't be fine without money set aside as a safety net, protecting you and your family from unforeseen circumstances, like a buttinski wild bird. Thankfully, before anything happened, my client and I talked about an emergency fund and worked to set up a plan for her to create her own fund.