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Whether you're single or in a double-income household, Suze says you need to live on only half of what you're used to—and put the rest in the bank. "If all of a sudden you find yourself without a job—or your partner finds themselves without a job—you are now going to have your income cut by 50 percent almost immediately," Suze says.

Unemployment also only makes up about 50 percent of your income, Suze says. Learn more about how to apply.

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Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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