Most Americans are crisis-oriented. We wait until there is a problem, most likely a major problem, before we take action. We say "an ounce of prevention is worth a pound of cure," but we don't live that way. When a problem comes, we want a quick solution, a bail out, when we should have been working to prevent the problem all along. It's especially like that with our finances. In this message, Rod Loy looks at "preventative" measures with our money.