Our experience tends to confirm a long-held notion that being prepared, on a few occasions in a lifetime, to act promptly in scale, in doing some simple and logical thing, will often dramatically improve the financial results of that lifetime.
When I got to 40 or so... I had the sense when I looked back over my life I would actually see a mess of decisions， a few of which I had thought about， some of which I had sort of stumbled on， and many that I had no control over whatsoever.
