Be fiscally conservative and think about the possibility that emergencies to happen. Every once in a while weird things actually happen in your life, and you have to think about how to deal with that occurring.The way you deal with it is by mitigating it before it actually happens. I have things like contingency planning, thinking about insurance, and having emergency funds that are available just in case.It always is going to feel like a waste when you do that. Frankly, you are wasting resources.however, it’s not going to feel like you wasted resources when a real emergency happens in your life.