Federal government shutdowns are a lot like hurricanes on the east coast: They don’t happen every year, but they do happen from time to time and it’s best to plan for them.

Since the Newt Gingrich takeover of the House, there have been five government shutdowns: One in 1995, a related one in 1996, a long gap to 2013 when Sen. Ted Cruz, R-Texas, tried to defund Obamacare, one in 2018 when Sen. Chuck Schumer, D-N.Y., tried to pass the Dream Act, and the current shutdown where President Trump is trying to get funding for a wall on our southern border.