Planning Ahead and Navigating the Whammies

I am the first person to admit that sometimes life has a way of sneaking up on us and delivering a whammy. Really there is no way to see it coming. There are people who live in fear of whammies every day of their lives and those are the folks who never take a chance, never venture out of their comfort zones and live life in a constant state of what might appear to some to be hyper-vigilant anxiety. These people may be considered pessimists but they are definitely not consider