A sensible man watches for problems ahead and prepares to meet them. The simpleton never looks, and suffers the consequences. Proverbs 27:12
This verse really hits home for my wife and I this past couple of weeks as my wife has been in the hospital. Luckily we've saved up an emergency fund, and we had good insurance, so the medical bills will be manageable. Plan for problems, and when they come you'll be prepared.