You need a crisis management plan...

You need a plan for when an inevitable crisis hits you. 

This is why you have an emergency fund. It is insurance against an unexpected financial surprise. 

The money sits in a savings account, ready for use when the inevitable disaster strikes. 

You should have a crisis management plan for all areas of your life where black swan evens can and might happen. 

The loss of a job, the destruction of property, the cancelation of a vacation or long-awaited plans. 

Having not only the resources, like an emergency fund, in place but also have the plan... when X happens I do these five steps will prepare you for the inevitable shock of an unexpected event.