Have an emergency fund of at least something.
How many years have I been saving up a three or six month contingency fund? Roughly ten. Have I ever come close to having even three month’s salary saved? Once. Then I moved across the country and was unemployed for awhile and that cushion disappeared. But the reason I haven’t been able to maintain my savings goal is because I kept running into emergencies. Did the fact that I didn’t have all three months salary matter at that point? Nope. It still helped me that there was money there. I’m hoping that, at this point in my life things have settled down enough that I can get that three to six months cushion in the bank over the next few years.