Bad events, however unlikely they are perceived to be in the short run, will eventually happen given a sufficient amount of time. Trouble is a series of good events makes us believe we are immunized from the bad events or we will be able to somehow avoid them.
Be prepared at all times for the eventual occurrence of bad events. It is not a question of whether they will happen or not. It is about how well we are prepared to limit the magnitude of the negative consequences when they do happen.
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