FRAGO—THE SAVINGS ACCOUNTS SURVIVAL GUIDE
As long as we were in a combat area, we were always ready. One thing we rarely did was take off our boots. In case of an emergency, it took too long to lace them back up. Many times I ran down the hallway, pulling on my vest, balancing my helmet on my head while hoping I didn't drop my M-16. All those things can be done while running, but you have to have your boots on.
Emergencies don't wait until you're ready. If you aren't prepared and ready to take them in stride, they will cause you problems. You can't anticipate everything, but you can prepare for the unexpected. Once you have your budget ...