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President Joe Biden participates in a conference phone call with governors affected by a snowstorm in the Midwest and southwest Feb. 16, 2021, in the Oval Office of the White House. | White House/Lawrence Jackson “In the house of the wise are stores of choice food and oil, but a foolish man devours all he has.” Proverbs 21:20 NIV In the field of personal financial planning, we apply this verse all the time when we tell clients to maintain a cash reserve of at least three to six months of living expenses. Having cash reserves in our time is equivalent to having food and oil in storehouses. In the wisdom literature of Proverbs, when it is “wise” to do one thing the implication is that it is “unwise” or “foolish” to do the opposite. Therefore, since it is wise to maintain healthy storehouses of supplies, it is foolish to have nothing in one’s barn.

North carolinaUnited statesWhite houseDistrict of columbiaLawrence jacksonTheodore hicksJoe bidenRainy day fundOval office of the white houseNational bureau of economic researchBefore bidenOval officeCovid recessionModerate recessionMostly preparedSevere recession