Be able to provide a service to others as trade. (Not everyone looks pretty and sexy, so I'm not talking the obvious!) Have tools and materials on hand, and the knowledge to use them. Welding, plumbing, auto engine repair, carpentry, electrical know-how, babysitting, etc.
Well, there goes my Plan B of moonlighting as a Chippendale's dancer.
We’ve gone through the Dave Ramsey Financial Peace University program, too.
Paying off a 4% mortgage has a guaranteed 4% rate of return.