From the National Association of Enrolled Agents

“If you haven’t lost your job, but think you might, NAEA advises that you immediately open an emergency fund that is separate from your 401(k). Having three month’s salary saved up is always a good idea. Another must is to reduce your expenses. One good way to do that is to refinance your home. With the low interest rates in effect, now is a good time to reduce your monthly payments by refinancing.”

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