1 minSome things are worth worrying about, others a not.Try to own less things that you cannot afford to lose. Things that you cannot afford to lose (a house, apartment, car...) should be insured (low fee, high deductible).Plan your spending. 50/30/20 rule is a good place to start - first number is what percentage you get to spend, second is what you get to save, third is what you must invest.Invest at least 20% of income.Have a "pagalve" of at least 3 months of avg expenses. Increase accordingly to your level of paranoiaDo not worry about downturns. If you do everything listed here, you're reasonably prepared for it, whatever it looks like.Do not worry about something you cannot do anything about.
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