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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