Shaun Livingston needs a doctor, I presume. NBA basketball player Shaun Livingston tore up his knee pretty good in a game a few days ago. By the looks of it, his season is over and his career could be shot. It was a freak accident, but it's still one that he'll have to deal with. It ain't fair, but such is life in this crazy world.

Here's some more good advice straight from The Dave Ramsey Show. You NEVER know when Murphy is gonna swing by for a visit, baby. Knee injury, car wreck, job loss ... pick your poison.

But you can be ready, if you have an emergency fund. The typical emergency fund covers 3 to 6 months of expenses, and it's worth every penny 'cause it gets you to breathe easier. It's a soft cushion in hard times. Car wreck? No problem. Job loss? Bring it on. Don't wait for life to hit ... hit first. Create a budget and start saving money.

Keep safe this weekend, jack ... and link this blog to yours, while you're at it.