If you find yourself in such a place, I would ask you to consider a rule I learned as a physician: First, do no harm.
Besides, life is not that short. Life is well and long enough for you to come to regret any activity or habit
involving an exchange of long-term risk for short-term benefit. This is what many if not most Americans
did during the refinancing and consumption boom of the last decade, and it was what our government did
in egging on the boom. This is also the gospel of drunk drivers and cheating spouses.
Of course, when you encounter the opposite—the short-term risk exchanged for long-term benefit—
consider hitting that button again and again and again.
Past may be prologue, but this is not true for the individual. The individual can think different
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