According to the results of a Federal Reserve study released last year, the 35-day partial government shutdown that kicked off 2019 created a moment of truth for the 800,000 employees and contractors who had to figure out how to cover their bills until their paychecks kicked in again. Many did just fine, thanks to savings and, often, the added safety net of a working spouse. But for others, the sudden interruption in cash flow created a crisis.

10 things you can do to prepare:

1. Create a budget
2. Tighten your (spending) belt
3. Set up an emergency (and rainy day) fund
4. Pay down debt
5. Enlist a pro
6. Manage student loans
7. Prime your credit
8. Pump up your paycheck
9. Get a life insurance policy
10. Update your automotive insurance plan

All 19 Ways to Prepare For a Financial Emergency