AUDIO Y Music under the entire piece 107:45 You can never avoid unexpected financial costs. But what you can do is plan for the unexpected. And if you plan for the unexpected, you will be prepared at some level g 1:07:18 what we normally hear is to have three months of your salary saved away. I think 12 months is the magic number 1.0653 12 months is where my comfort is and we can work up to that. I don't expect you to have 12 months of pay or salary whatever the case may be tomorrow. It is something that we can work toward. 1.0801 An example of unexpected costs could be your car breaking down, you need a new transmission, child or children get sick, you may have to, your child or children may have to switch schools because you are moving. All of those things will impact your budget and all of those things will impact your cash flow. So, how do you address those things? Preparing for the unexpected the best you can. 101:24 So if you have some money. some funds set aside. You can address some of those things that we are not planning for. And you may not have the entire amount necessary to address it but having something is better than having nothing at all nd 1.0205 what happens sometimes is through our working years or through working, we may have situations where we get rases. were we get bonuses or something like that, encourage employees if it is extra treat it as extra. Meaning, don't, I'm not saying don't I'm saying to spend all of it. Save some of it. 1:03:13 Another thing to consider is keeping track of your spending And the word that we always here is budgeting. Things are increasing