President Spencer W Kimball said:
"Are you prepared for and protected against death, illness, a long-continuing, crippling illness of the breadwinner? How long can you go if the income stops? What are your reserves? How long could you make your many payments on home, car, implements, appliances? … The first reaction is: We just cannot do it. We can hardly get by using every cent of income monthly. … If you can hardly get by when you are earning increasingly, well employed, well, productive, young, then how can you meet emergencies with employment curtailed, illness and other unlooked-for problems arising? You must not spend all you make. Money must be put aside for missions and for schooling for your children. They can assume responsibilities and take little jobs whereby they can also help to raise these funds and instead of spending those little accumulations, they will save them for these great purposes. It may mean that the parents of today will go without many things that they would like, but tomorrow will come the harvest."
“Chapter 11: Provident Living: Applying Principles of Self-Reliance and Preparedness,” Teachings of Presidents of the Church: Spencer W. Kimball, (2006),114–23
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