How prepared are you for life's unexpected expenses? In this episode, board member Candie Simmons from CL Simmons Consulting shares practical strategies for saving, budgeting, and planning ahead. From the simple "20% rule" to preparing early for holiday spending, Candie explains how intentional financial habits can bring freedom and reduce stress. By the end of the episode, we hope every listener will leave with clear, actionable steps to build a strong financial foundation and enjoy peace of mind during life's surprises and special seasons.