Are we prepared for the emergencies in our lives?

Thomas S. Monson:  Are we prepared for the emergencies in our lives?  Are our skills perfected? Do we live providently?  Do we have our reserve supply on hand?  Are we obedient to the commandments of God?  Are we responsive to the teachings of the prophets?  Are we prepared to give of our substance to the poor, the needy?  Are we square with the Lord?  We live in turbulent times.  Often the future is unknown; therefore, it behooves us to prepare for uncertainties.  When the time for decision arrives, the time for preparation is past. (Ensign, September 2014, p.5).