“The wise understand the importance of saving today for a rainy day tomorrow. They have adequate insurance that will provide for them in case of illness or death. Where possible, they store a year’s supply of food, water, and other basic necessities of life. They set aside money in savings and investment accounts. They work diligently to reduce the debt they owe to others and strive to become debt free. Brothers and sisters, the preparations you make today may one day be to you as the stored food was to the Egyptians and to Joseph’s father’s family,” (Joseph B. Wirthlin, "Earthly Debts, Heavenly Debts, May 2004).