Everyone says to plan ahead but

https://privatebin.net/?0c2fd05d30fd7e82#Au9yKZYPG7Lr2LccptU4KwfvrdxYnba5nmzNAmZynz8S

Everyone says to plan ahead, but it really takes a scare to make people act. For us it was a car accident last winter. Nobody was seriously hurt, but it made us realize how unprepared we were