As a member of the Church of Jesus Christ of Latter-day Saints, I really like this quote from the Church's pamphlet about self-reliance. It is wisdom for all of us, regardless of religious affiliation:
We encourage you wherever you may live in the world to prepare for adversity by looking to the condition of your finances. We urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt. . . . If you have paid your debts and have a financial reserve, even though it be small, you and your family will feel more secure and enjoy greater peace in your hearts.—All Is Safely Gathered In: Family Finances
