I feel like many of us are now functioning in crisis mode. Due to the rapid spread of the novel Coronavirus, life as usual is no longer the norm. Many businesses and families have felt the sting of job loss, pay cuts, or lack of resources. Yeah, we all know we should prepare for emergencies, but what if you don't have an emergency fund to rely on?  I'm seeing a lot of "told ya so" on social media regarding preparedness and finances. I'm not here today to shame anyone for not being prepared. If that's you, you are probably already…