Financial curveballs have a way of putting even the best financial plans to the test. A car repair, an unexpected medical bill, or a broken appliance can quickly change the direction of an otherwise ordinary month. Yet those same situations don’t affect every household in the same way. While one family may spend months trying to regain its footing, another works through the challenge and moves forward with far less disruptions. The difference often isn’t so much about income as it is preparation.  Financial confidence isn’t built by avoiding every unexpected expense – life rarely works that way. Instead, it…