Prediction #5 -- Murphy will continue to show up

Unexpected emergencies tend to happen in pairs—or sometimes whole teams. Murphy’s Law states that whatever can go wrong will go wrong. So prepare for that blown transmission, busted pipe and broken leg now by putting one thousand dollars' emergency fund in place. Then, once you’re out of debt, build it up to three to six months of expenses. Sooner or later, you will need it.

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Prediction #6 -- More workplaces will offer financial wellness

Prediction #4 -- Car values will go down