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I found another great talk from Elder L. Tom Perry on becoming prepared. I like this quote because following his suggestion would not only help with finances but it would teach our children how to work towards a goal. Elder L. Tom Perry said:
I am convinced that in many backyards, a crop of corn, raspberries, or tomatoes, planted and harvested by your children each year and sold to your neighbors, will in time yield enough to make a major contribution to a mission or a college education fund.
He also shares four ways to prepare for the future. Click here to read the article.