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Could you ask him to call me? errand boynow grocery list While getting on top of finances helps relieve daily stress, the bigger pay-off comes when something unexpected – a car accident, health scare or other negative event – threatens to throw everything off course. “Without a plan, when life happens, it becomes that much more insurmountable,” Gilfedder says. “It pays dividends when things are going well, and it really pays dividends when things are not going well.”